Debt Learning Center

Dealing with debt and maintaining a healthy financial outlook is easier when you have the right tools. Consolidated Credit helps you be more effective at managing your money with the following free financial resources and tools. Whether you have a specific goal in mind that you need resources to support or you simply want to build a better financial outlook, we can help. If you have any questions or need help eliminating debt, call to chat with a certified credit counselor for free. You can also request help online with our Free Debt Analysis.


Online Debt Quiz


Financial Calculators

Credit Card Debt Calculator

Understand minimum payment schedules

Calculate total interest charges on your debt

See the impact of making extra debt payments

Build a custom debt repayment schedule

Calculate Debt Payments

Debt-to-Income Calculator

Keep your debt in balance with your income

Make informed decisions for taking on more debt

Prequalify your own finances before major asset purchases, such as a new home or car

Determine Your DTI Ratio

Mortgage Calculator

Calculate potential mortgage payment on a new home

See the impact of making extra mortgage payments

Check your amortization schedule and total interest payments

Assess Mortgage Payments


Self-Help Finance Booklets

Free Booklets

Need help understanding a specific financial topic? With over 40 booklets to choose from covering a wide range of common money management issues, these helpful guides will walk you step-by-step through each financial process. Learn how to improve your financial outlook on your own so you can be more successful and reach your financial goals.

All guides are available in a downloadable PDF format.

Visit Our Self-Help Booklet Library


Budgeting Tool iPhone Application

iPhone Application


Interactive Courses

Interactive Courses

These helpful interactive finance courses help you improve your financial know-how so you are better equipped to deal with your finances on your own without requiring assistance. Become financially savvy with these helpful interactive courses from Consolidated Credit.

Take an Interactive Finance Course

"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.

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. Click here to learn more.

Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at 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.

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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.

FREE Debt Consultation