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How long does debt review last?

Certain factors determine how long Debt Review lasts

Debt review works best for those who are committed to the process – and who are sincerely intent on becoming debt free. So, how long does debt review last? Debt review can last anything from 6 months to 60 months. There are factors which contribute to how long you stay under debt review, namely:

  • Paying more on your debt that what is required
    Your debt counsellor will negotiate with your creditors for lower monthly repayments. If you pay more than the stipulated repayment amount, you will finish your debt review programme sooner.
  • The interest rates on your debt
    The higher the interest rate, the more debt to be repaid. Make sure that you choose a reputable debt counsellor like NDA, who can negotiate with your creditors for the lowest possible interest rates.
  • How committed you are to becoming debt free
    If you are committed to the debt review programme, don’t skip any payments and pay more than the amount stipulated – you will find yourself debt-free sooner than expected.

How to get out of debt review sooner

Here are a few tips which will help you get out of debt review earlier than planned.

  • If you come into a lump sum of money, pay it towards your debt
    There are some people who go under debt review as a temporary measure, whilst waiting for a lump sum of money to come their way. If and when the lump sum arrives (whether it is in the form of a bonus, policy pay out , tax return etc) – do not be tempted to spend the money on unplanned purchases and luxuries. Pay your debt so that you can start on a clean slate, sooner rather than later.

  • Supplement your income
    If you are not able to get a second job or work overtime, you are going to have to become creative in earning extra money. Sell your unwanted goods. Rent out space in your house as storage or boarding. Every little bit helps
  • Change your spending habits and cut down on your expenses
    Cancel subscriptions you don’t use. Cut down on luxuries. Lower your electricity to consumption by switching off your geyser. Join a carpool instead of driving to and from work alone. The savings you make on lifestyle changes like these, can go towards paying your debt and leaving the debt review programme sooner.


Debt review stops you from spending a lifetime paying off debt – instead creating clear deadlines and guidelines for becoming financially free. Feel free to contact one of NDA’s highly skilled debt advisors for more information on debt review.


How we do it


How we do it

We do NOT offer loans.
We help even if you are blacklisted.
We lower monthly instalments by up to 50%.
We protect your assets and credit profile.
We help you become debt-free, risk-free.