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

Maria G. got help with $15,000 in NJ1 minute ago
Holly L. got help with $100,000 in KY2 minutes ago
Christopher C. got help with $10,017 in CA6 minutes ago
Bridgette P. got help with $10,000 in NM8 minutes ago
Juan M. got help with $10,000 in TX12 minutes ago
Hillary S. got help with $21,000 in CO17 minutes ago
Jenna B. got help with $15,000 in NY19 minutes ago
Joyce I. got help with $10,000 in CT22 minutes ago
Ronald B. got help with $8,417 in CO23 minutes ago
Jessica N. got help with $9,808 in GA23 minutes ago
Tracy L. got help with $252,209 in MO32 minutes ago
Estela G. got help with $75,000 in FL34 minutes ago
Megan C. got help with $8,022 in AZ35 minutes ago
Thomas E. got help with $15,000 in NJ37 minutes ago
Clay J. got help with $20,000 in LA40 minutes ago
John F. got help with $30,500 in TX44 minutes ago
Maria M. got help with $7,500 in FL56 minutes ago
Mychelle S. got help with $10,000 in AR58 minutes ago
Brad M. got help with $21,000 in CO60 minutes ago
Valarie E. got help with $25,130 in PA1 hour 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

To a wonderful...

Everyone that I have spoke to has been helpful and honest with us. They have explain...

Braulio Duran

5 stars

Quick fix

Quick fix. Sweet and nice rep.


5 stars

Very efficient

Very efficient, professional service representatives.


4 stars

I am totally satisfied...

I am totally satisfied with their performance and I wish I would have come to them...


5 stars

Great service

Great service and customer service


5 stars

Sergio was beyond...

Sergio was beyond amazing!!! He was so kind and patient! He answered all my...

Elizabeth N.

5 stars

Great company

Very helpful and reasonable. Easy. Great customer service


5 stars

The customer experience...

The customer experience is great


5 stars

I had a one-on-one...

I had a one-on-one counselor that walked me through everything and showed me what my...

Bethania Cook

5 stars

paying my bills

i love it where they are paying my credit cards off and i don't have to worry about...


5 stars

wonderful service

very affordable


5 stars

Easy to get an answer

Easy to get an answer


5 stars

Easy to work with and...

Easy to work with and bills are being paid off quickly.

Rossann Davis

5 stars




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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