Debt Consolidation in Action: Pennsylvania

See how we’ve helped your neighbors find relief to inspire your own journey.

Pennsylvanians don’t have a monopoly on debt problems, but residents do face some unique challenges. For instance, although the average credit card debt per borrower in Pennsylvania is lower than the national average of $4,965, Pennsylvanians carry some of the highest student loan debt balances in the nation. Additionally, roughly fifteen out of every one hundred homes is valued less than the remaining balance on its mortgage.

These challenges kinds of challenges can make it difficult to maintain financial stability, especially if you also happen to be struggling personally with credit card debt. The information below can help you understand your situation. If you’re working to regain control, call us at or complete an online application to request a free confidential debt evaluation from a certified credit counselor.

Debt statistics in Pennsylvania

Here is what the current financial environment looks like in Pennsylvania.

[1] http://www.washingtonpost.com/blogs/govbeat/wp/2013/08/20/ranking-the-states-credit-card-debt/

All other statistics are brought to you by America’s Voice on Debt (AVOD)

Credit Counseling in Action for Pennsylvania residents

The three case studies and testimonials below come from real clients that we’ve helped in Pennsylvania. This can give you a better idea of how debt consolidation through a credit counseling agency like Consolidated Credit may be able to help you.

Consolidated Credit is helping us get our lives back on track. Starting from a very scary situation, we’re making progress to be free of crippling debt in just a few years.

Where he started:

  • Total unsecured debt: $72,516.00
  • Estimated interest charges: $42,624.15
  • Time to payoff: 16 years, 7 months
  • Total monthly payments: $2,900.64

After DMP enrollment:

  • Average negotiated interest rate: 5.28%
  • Total interest charges: $10,765.25
  • Time to payoff: 4 years, 8 months
  • Total monthly payment: $1,496.00
Time Saved:
11 years, 11 months
Monthly Savings:
$1,404.64
Interest Saved:
$31,858.90
To go from over $30,000 in debt down to just over $300 now is an amazing thing. Couldn’t have done it without Consolidated. You’re an awesome group that really does care.

Where he started:

  • Total unsecured debt: $30,858.00
  • Estimated interest charges: $17,882.31
  • Time to payoff: 14 years, 1 month
  • Total monthly payments: $1,234.32

After DMP enrollment:

  • Average negotiated interest rate: 5.44%
  • Total interest charges: $3,402.86
  • Time to payoff: 4 years, 5 months
  • Total monthly payment: $649.00
Time Saved:
9 years, 8 months
Monthly Savings:
$585.32
Interest Saved:
$14,479.45
This was the most painless, hassle-free experience ever. I would highly recommend Consolidated Credit to anyone in serious debt.

Where she started:

  • Total unsecured debt: $24,709.00
  • Estimated interest charges: $14,319.46
  • Time to payoff: 13 years, 3 months
  • Total monthly payments: $818.04

After DMP enrollment:

  • Average negotiated interest rate: 4.33%
  • Total interest charges: $2,549.95
  • Time to payoff: 5 years
  • Total monthly payment: $457.00
Time Saved:
8 years, 3 months
Monthly Savings:
$361.04
Interest Saved:
$11,769.51

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

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