How Long Does Debt Review Last?

Debt review often lasts between 36 and 60 months, that’s about 3 to 5 years

But there’s no single rule for everyone, It depends on how much you owe your monthly budget and how strictly you stick to your plan.

Let's have a closer look.

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What Affects How Long Debt Review Takes

How much debt you have

Large debt usually takes longer to settle, If your total debt is low you might finish sooner.

What you can afford to pay each month

Your debt counsellor creates a repayment plan around your budget, The more you can pay the quicker you’re done.

The deal negotiated with your creditors

Sandton Debt Counselling works with creditors to lower your instalments interest, this can save you a lot on interest.

Paying consistently

Stick to your payment plan, skipping payments only drags it out.

Making extra payments

Bonuses tax refunds or other extra money can cut months off your debt review.

What Happens When You Finish Debt Review

Once your debts (except your home loan) are fully paid, your debt counsellor issues a clearance certificate.

This certificate:
✅ Confirms your debts are settled
✅ Removes the debt review flag from your credit profile
✅ Clears any linked negative data in about 21 business days

It’s a fast way to reset your credit record.

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Why Use Sandton Debt Counselling

Choosing the right company makes all the difference. SDC is trusted, experienced, and always focused on helping you get out of debt responsibly.

Here’s what you get:

✅ Immediate Payment Relief
Your instalments drop as soon as you sign Form 16.

✅ Legal Protection
Creditors can’t chase you for payment once your plan is in place and you pay as agreed.

✅ Keep Your Car and Home
Stick to your plan and avoid repossession.

✅ Lower Monthly Payments
Repay at a level that matches your budget.

✅ Lower Interest Rates
Pay less over time thanks to negotiated rates.

✅ Clean Credit Profile
Once done your credit record is updated and old debt review marks are removed.

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Common Questions About Debt Review

Can I finish debt review faster?

Yes, If you pay more each month or make lump sums you can wrap it up sooner.

What if I miss a payment?

Missing payments can restart legal problems. Always speak to your debt counsellor if something comes up.

Can I apply for credit during debt review?

No, you’ll need to finish debt review first and get your clearance certificate.

Is my home loan included?

It can be, your debt counsellor will help decide if that’s best for you.

How long before my credit report is clean?

About 21 business days after your clearance certificate is issued.

Will anyone know I’m under debt review?

No, It’s private and only your debt counsellor, creditors and the credit bureaus know.

What if I lose my income during debt review?

Call your debt counsellor at SDC immediately. They’ll help you adjust your plan, if possible.

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So How Long Does Debt Review Last?

It all depends on your debt your budget and your discipline.

Most people finish in 3 to 5 years, Some even quicker.

If you want a structured way to clear debt Sandton Debt Counselling is there to guide you
You’ll have support all the way until your final clearance