Helping People through Credit Challenges since 1993

The call & counseling are always free and there is never an application fee.

Our mission

To assist families throughout the United States to end financial crises and solve money management issues through education and professional counseling.

How much debt do you need help with?

Celebrating 30 Years of Service & Education
10.2M

More than 10.2 million people helped in 30 years

300+

300+ hrs. of live education each year

$9.75B

Over $9.75 billion in debt consolidated

As Featured In

How credit counseling works in 3 easy steps

1. Talk to a Counselor for Free

Review your debts, budget and credit with a certified credit counselor to see if you qualify for a debt management program and explore other options for relief, so you can avoid bankruptcy.

2. Start as Soon as You're Ready

Take the time you need to decide. Once you are ready to enroll, we will call your creditors and work with them to lower your interest rates and stop late fees.

3. Get Out of Debt Faster

The program is easy! You make one payment to us each month, and we distribute the funds to your creditors on your behalf. You can be out of debt in as little as 36 months.

You Are Not Alone

Bonnie H. got help with $10,000 in GA1 minute ago
Shenelle B. got help with $12,000 in CA19 minutes ago
Juan M. got help with $50,000 in VA29 minutes ago
Yenifer M. got help with $45,000 in IL36 minutes ago
Vicente B. got help with $15,000 in CA1 hour ago
Jonah V. got help with $10,000 in CA1 hour ago
Gloriajean M. got help with $12,000 in SC1 hour ago
Krista G. got help with $45,000 in NC1 hour ago
Bradley T. got help with $50,000 in NV1 hour ago
Rumana S. got help with $15,000 in NJ2 hours ago
Josemanuel B. got help with $10,000 in AZ2 hours ago
Daniel C. got help with $10,000 in TX2 hours ago
Ryker S. got help with $30,000 in WA2 hours ago
Joseph W. got help with $7,500 in CT2 hours ago
Deida P. got help with $10,000 in CA2 hours ago
Julie M. got help with $10,001 in GA2 hours ago
Jammie H. got help with $10,000 in LA2 hours ago
Zaccheus H. got help with $13,000 in CA2 hours ago
Patricia C. got help with $45,000 in OH3 hours ago
Carlos P. got help with $15,000 in TX3 hours ago

A debt management
program can...

  • Reduce your total credit card payments by up to 50%
  • Lower the interest rates applied to your debt to 0-10%
  • Pay off your debt in full in 36-60 months
  • Help you avoid negative credit report information
Virtual Intelligent Counselor Logo

Virtual Intelligent Counselor

VICTORY OVER DEBT!

The smartest way to a debt-free life? Use our
Virtual Intelligent Counselor. It’s FREE…

  • Gain control over your debt.
  • Get an easy-to-understand breakdown of your finances.
  • Save time before speaking with a counselor.

How Much Could You Save?

Just tell us how much you owe, in total, and we’ll estimate your new consolidated monthly payment.

Debt Amount

Creditors We Work With

These are just some of the creditors we work with to help our clients every day. As your advocate, our credit counseling team will work with all of your creditors to minimize interest charges, stop penalties and set up a repayment plan that you can afford. Interest rates are typically reduced to between 0-10%.

Details
Happy young couple shake hand of bank manager

Advocating for our clients since 1993

Consolidated Credit is one of the nation’s largest and oldest nonprofit credit counseling organizations. Our mission is to help people end financial crises through education and professional counseling. We take pride in helping people find solutions to overcome challenges with credit card debt and achieve long-term financial stability.

Our Story

Here's what our clients say

5 stars

The ability to put all...

The ability to put all my credit card mess into an easy to understand plan and laso...

SHELIA E.

5 stars

awesome help

awesome help. takes a lot of stress off of me and doesn't ruin my credit. this has...

DANTE D.

5 stars

Consumer Representative...

Consumer Representative was very helpful by phone.

KATHY S.

5 stars

Help me in a time of...

Help me in a time of need for debt consolidation

TANYA MAURINE B.

5 stars

I am making progress...

I am making progress paying off debt. They have fixed glitches online account and...

CARLA M.

5 stars

When help is needed...

When help is needed financially and ends can't be met, Consolidated Credit was my...

Katie Perry

5 stars

Everyone I have talked...

Everyone I have talked with have been very helpful and friendly. They have resolved...

Scott Shaffer

5 stars

Person was knowledgeable...

Person was knowledgeable & helpful

CAROL R B.

5 stars

Laura was wonderful

Laura was wonderful, she was very pleasant. I enjoyed talking with her. Everyone is...

Jean W.

5 stars

excellent

Im glad with this company

JOHN R.

5 stars

Professional and...

Professional and courteous employees

Joe

5 stars

Reliable Company

The company is very responsible in keeping up with the payments on a timely basis....

Jacqueline Oreamuno

5 stars

All questions answered`

All questions answered`

GAIL H.

5 stars

Great to work with!

Great experience and helping me get to a better financial standpoint.

Hadlee Rose

5 stars

Easy

I had gotten over my head in debt. Consolidating all my bills into one payment...

Cynthia Smiles

5 stars

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Hector Santana

Showing our 4 and 5 star ratings

Trustpilot

Debt Relief in Action

Review case studies from real debt management program graduates to see how credit counseling helped them find debt relief through credit consolidation. Working with a certified credit counselor can reduce or eliminate interest charges and lower your total payments by up to 30-50%.

Map of US Debt Relief Nationwide showcasing Brian M. from Seward, NE with $11,231 in credit card debt

Specialized Credit Counseling Services and Financial Education Programs

Whether you’re buying a home or need help saving your home, Consolidated Credit’s HUD-certified housing counselors can help you create a customized plan to achieve your goals. Housing counselors also provide free reverse mortgage counseling for seniors, as well as an online first-time homebuyer course that provides the certification you may need to qualify for closing cost and down payment assistance.

Find Your Way Home

Born out of Consolidated Credit’s Financial Literacy in the Workplace Program, KOFE is a financial wellness program that helps businesses, financial institutions, government agencies and nonprofit organizations support their employees and members to build financial literacy through a 3-pronged approach of self-learning, classroom education and one-on-one financial coaching with certified credit counselors.

Corporate Financial Wellness Program

Consolidated Credit is proud to help military Service Members and Veterans achieve financial stability. The partnership with Army OneSource and the U.S. Department of Veterans Affairs helps military personnel and their families improve their financial literacy so they can navigate the unique financial challenges that they face, from deployment to transition to civilian life.

Money Management and the Military

Take advantage of a wide-range of free financial resources that can help you gain the financial literacy you probably missed because few schools offer personal finance education. Learn at your own pace with the help of financial education videos, infographics, calculators and interactive courses. You can also sign up for free monthly webinars or watch past webinars on-demand.

Financial Resources and Helpful Tools

Recent News Articles

What You Need to Know About the New “Click to Cancel” Rule and How It Impacts Your Finances

Updated

The FTC has made it easier for you to stop subscription services from draining your wallet.

Read full article 4-minutes read

Disaster Relief Hotline

Updated

Consolidated Credit sets up toll-free disaster relief hotline for hurricanes Helene and Milton survivors.

Read full article 12-minutes read

Are Consolidated Clients Born or Taught?

Updated

A new survey shows our clients are smarter online shoppers than the rest of the country. But why?

Read full article 4-minutes read

Clearing the Down Payment Hurdle

Updated

A new survey finds down payments have hit an unrealistic number that most average Americans can’t afford.

Read full article 3-minutes read