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.

30 Years Graphic
30 Years Graphic

How much debt do you need help with?


More than 10.2 million people helped in 30 years


300+ hrs. of live education each year


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

Toni W. got help with $25,000 in OR21 seconds ago
Kelly B. got help with $8,992 in TX1 minute ago
Alexis R. got help with $25,000 in CA1 minute ago
Alejandro R. got help with $40,000 in TX4 minutes ago
Daniel S. got help with $15,000 in TX4 minutes ago
Brett W. got help with $9,569 in IL5 minutes ago
Manuel M. got help with $10,000 in IL6 minutes ago
Celia B. got help with $8,487 in TX7 minutes ago
David I. got help with $10,000 in FL8 minutes ago
Marsha F. got help with $8,672 in MO9 minutes ago
Melissa R. got help with $20,000 in IN10 minutes ago
Rickie R. got help with $8,178 in TX11 minutes ago
Salvador H. got help with $10,500 in NV13 minutes ago
Travis R. got help with $10,500 in NV14 minutes ago
Briauna N. got help with $9,103 in FL14 minutes ago
Pamela W. got help with $20,000 in CA14 minutes ago
Joel C. got help with $7,625 in TX16 minutes ago
Wafaa E. got help with $10,000 in VA17 minutes ago
Luis F. got help with $20,000 in TX19 minutes ago
Sylvia T. got help with $7,778 in TX23 minutes 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

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%.

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

Great service.

Really quick and easy process. Helped me a lot.


5 stars

Just starting the process

Just starting the process, but so far this has been so easy and stress free.

Michele Daigle-monteiro

5 stars

Customer service...

Customer service excellent


5 stars

Great and Trustworthy...

Way better than other loan consolidation companies.


4 stars

Up to this point

Up to this point, the experience has been excellent.


5 stars

Consolidated Credit...

Consolidated Credit created a doable payment plan at an good interest that made it...


5 stars


Great....I am happy with your service!

Earl Melvin

5 stars

So far Consolidated has...

So far Consolidated has been very professional, answers calls, knows their stuff


5 stars

Things are moving...

Things are moving forward well, my balances are dropping each month and my credit...

Peg Duchess Duchesne

5 stars

Very good process and...

Very good process and knowledgeable employees


5 stars

They were very respectful

They were very respectful, and helped me with my credit card debit.


5 stars

I rarely give reviews

I rarely give reviews. But I'll be totally honest. At first I was skeptical and a...


5 stars

Friendly and prompt...

Friendly and prompt answers


5 stars


Wonderful service.very polite and quick.


Showing our 4 and 5 star ratings


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

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