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

Adrian V. got help with $29,999 in OR2 minutes ago
Bianca F. got help with $9,999 in CA4 minutes ago
Sovanna Y. got help with $29,999 in CA5 minutes ago
Maria N. got help with $7,500 in AZ6 minutes ago
Michael T. got help with $21,000 in CA7 minutes ago
Cherice W. got help with $15,000 in MO9 minutes ago
Jayzee S. got help with $25,000 in CA10 minutes ago
Louie M. got help with $10,000 in LA11 minutes ago
Kevin C. got help with $9,999 in OH11 minutes ago
Cheryl K. got help with $8,000 in NJ13 minutes ago
Samantha N. got help with $9,999 in MD14 minutes ago
Patricia F. got help with $9,999 in OH16 minutes ago
Jesse M. got help with $50,000 in TX16 minutes ago
Darrell B. got help with $9,999 in NC17 minutes ago
Jordan R. got help with $25,000 in WA18 minutes ago
Philip Q. got help with $35,000 in AR20 minutes ago
Whitney H. got help with $12,000 in TN21 minutes ago
Michelle J. got help with $9,999 in FL21 minutes ago
Marlin T. got help with $9,999 in GA23 minutes ago
Karen L. got help with $60,000 in NJ23 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

I am thankful!!~!!

I am thankful for this company to take care of my bills and get me on track!!! I...


5 stars

Very good service nice...

Very good service nice ppl on here


5 stars

excellent customer...

excellent customer service


5 stars

The Team is Caring and...

What made the experience great is how everyone I talked to has listened and really...

Missi Lynn Boness

5 stars

Doing what is expected

Doing what is expected

Abdul-Aziz, Mujahid

5 stars

The solution to my...

The solution to my problem was made so simple.


5 stars

I’m finally seeing my...

I’m finally seeing my balances decrease!


5 stars

They do what they...

They do what they promise to do get you out of debt.

Darrick Madkins

4 stars

Ease of contact and...

Ease of contact and clear guidelines.

Timothy Mattson

5 stars


Friendly, professional staff.


5 stars

I have been helped with...

I have been helped with everything to be explained. I'm very satisfied.


5 stars

Helpful & proactive

Helpful guidance, pro-active follow-up!


5 stars

You can pay off your...

Easy process, knowledgeable representatives.


5 stars

The thing that made my...

The thing that made my experience great is the customer service. The representative...


4 stars

Had some problems trying...

Had some problems trying to get to no the portal app cuz I'm electronically...


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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