Navicore Solutions is a non-profit organization dedicated to helping those who are in financial distress. Since 1991, the company has been aiding people through consumer debt, student loans, housing problems, or any other personal finance problem. Navicore offers in-depth counseling for those who want to learn more and they are available in all 50 states for a free consultation with a certified counselor.

About Navicore Solutions

The number one objective of Navicore Solutions is to get everyone debt free. Some of the services available to individuals in need are credit counseling, debt management, housing counseling, and bankruptcy. Through counseling, clients will receive a personalized approach to aid them in managing their debt through whichever means. Navicore Solutions is essentially a guide for consumers to navigate their way to financial freedom.

Basic Information

  • Address: 200 Us Highway 9 , Manalapan, NJ 07726-3072
  • Web Address:
  • Date of Founding: 4/14/1991
  • Contact Number: (800) 772-4557
  • Opening Hours: 8:30am to 10:30pm
  • BBB Accredited? Yes, since 1991.

The Company

Rather than discussing the people at the helm, we're going to focus all of our attentions on the people working the phone lines and other ground-floor jobs, because there is some very interesting and very concerning information coming out of these areas.

The vast majority of employees we have heard from have negative things to say about the company. A couple of them have had potentially libelous things to say, and we're certainly not going to repeat that, but even if you ignore those comments there is still a deluge of, “Navicore Solutions is going under” and “Navicore Solutions won't last for long”. You only need to take one glance at the web's biggest employee review site to see this for yourself, as there are a number of employees saying that Navicore Solutions is a “sinking ship”.

We certainly didn't get this impression when reviewing them. They seem like a professional, clean-cut and somewhat prosperous company. But therein lies the issue, because the truth about a company can be hidden from its customers.

These are all very bad signs for Navicore Solutions, but they are not necessarily bad for their customers. You should still get the level of service that was promised to you for the price that you agreed to pay. Your debts should still be cleared and if there is any issue then you should have some resource for action. However, if you are thinking about getting involved for the long haul, or you are contemplating a career with Navicore Solutions, we would advise extreme caution.

Navicore Solutions Review

The Reviews and Complaints

Despite the issues that employees seem to have with the company, most customers have nothing but good things to say about them. There are a number of good reviews out there and very few complaints that have not been responded to.

On the flip side, there are far fewer reviews than we would expect to find for a company of this size, and from this we get the impression that they haven't been doing a great deal of business in recent years, certainly not when compared to the likes of Take Charge America, InCharge Solutions and other top debt relief companies.

The Prices

As mentioned already, Navicore Solutions are not very transparent with their prices. There are prices listed, but these can vary greatly with what you are actually charged. This is not a huge issue though, as you are not required to sign on the dotted line until you are fully knowledgable of the fees and what is expected of you.

But like all companies of this type, they make minimal amounts from their customers and take the rest from the credit community. They are a non-profit after all. So you should not be hit with high fees at any time and it's certainly a lot cheaper than letting your debt get on top of you and waiting for the consequences.

Navicore Solutions Review

To learn more about Navicore Solutions and their services, read our Navicore Solutions review below. There are a lot of positive points to cover here, but there are also a few negatives to bear in mind before you think about signing up.

Navicore Solutions Reviews

The Good

  • Available in all 50 states
  • No restriction
  • Well accredited

Non-Profit Organization

Navicore is a non-profit organization. This means the quality financial services and top notch counseling is made possible by donations for the most part, as well as the minimal fees that they charge to their customers. The idea is that these fees are there just to cover some of the most basic costs, but make no mistake about it, these fees can still be heavy and they are still used to ensure a profit, even if that profit is used for good. If this wasn't the case then there wouldn't be claimed of pressure selling.


Navicore Solutions does business in all 50 states. This makes it easy and accessible to consumers all across the countries. They are one of the few companies out there to have such a large reach, with National Debt Relief being another one of them.

No Restrictions

Navicore Solutions does not set parameters for the type of customer they serve, they are open to working with anyone who is looking financial aid. You can get help here whether you are in deep with credit card debt (like so many American families) or you in above your head with personal loan debts or, the big one, student loan debt.


Navicore Solutions is accredited by major associations in the industry like: -National Foundation for Credit Counseling -Council on Accreditation -U.S. Department of Housing and Urban Development -Executive Office of the U.S. Trustees


Navicore Solutions has over 26 years of experience helping people dig their way out of a financial hole. This depth in experience certainly sets them apart from their competitors in the industry. If experience is important to you when you are making your choice, and it should be, then take a look at some other experienced companies, including, Consolidated Credit Counseling and Family Credit Management.

The Bad

  • Third party
  • No specialization
  • Lack of transparency

Third Party

Navicore acts as an intermediary between creditors and the individuals trying to consolidate their debt, which means you will need to work with other companies when you signup for their services. This is not entirely unusual, but if your goal is to take a back seat and let someone else deal with all of your issues while you cross your fingers and hope they go away, they might not be the right company. This does not impact on the end result though and you could even argue that things are mo efficient this way.

No Specialization

Navicore Solutions offers a plethora of financial services, which can be very helpful in some cases. On the flip side, however, this company lacks specialized services that some individuals can profit from. It's a typical “Jack of all trades, master of none” scenario, but again, it's not unusual for this industry. They try to do a lot of things to help a lot of people, and that can occasionally backfire.

Lack of Transparency

We would like to see more information posted about Navicore’s business on their website. Information such as possible fees and average interest rates would be very helpful for customers trying to decide if they want to work with Navicore. Unfortunately, this lack of transparency makes it very difficult to rank their services, giving us extra work to do and making it so we can never truly get to grips with their final price.

The Bottom Line

Navicore Solutions is a reliable choice for those who need help with their personal financials dilemmas. The company provides a range of services including credit counseling and consolidation. It’s definitely a positive that customers of any background in any situation can use Navicore to take advantage of their high-quality services. The company’s reputation speaks to the quality of service during their long history in business.