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More than 10.2 million people
helped in 28 years

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Over $9.75 billion in
debt consolidated

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300+ hrs. of live
education each year

How Credit Counseling Works in 3 Easy Steps

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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.

People under a money icon signifying credit counseling negotiation to reduce interest rates and stop fees.

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.

Money bag in hand icon signifying cost savings of using a debt management program.

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.