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

Angela B. got help with $9,902 in LA2 minutes ago
Bernie P. got help with $25,000 in MO2 minutes ago
Luis A. got help with $8,023 in TN2 minutes ago
Ben L. got help with $13,000 in TN3 minutes ago
Tim F. got help with $8,662 in IL3 minutes ago
Kaitlyn R. got help with $8,088 in TX4 minutes ago
Jaleshia E. got help with $12,000 in AL5 minutes ago
Patrick K. got help with $9,500 in PA6 minutes ago
Jennifer T. got help with $8,427 in TX6 minutes ago
Sharon M. got help with $8,557 in GA8 minutes ago
Jonathan H. got help with $11,000 in NC8 minutes ago
Tyler B. got help with $17,029 in MS8 minutes ago
Dianna H. got help with $9,973 in TX9 minutes ago
Rex C. got help with $25,000 in WV9 minutes ago
Jose L. got help with $15,000 in CA10 minutes ago
Cherisse P. got help with $15,000 in OR10 minutes ago
Lance S. got help with $45,000 in IA11 minutes ago
Sierra F. got help with $9,627 in KS12 minutes ago
Melissa H. got help with $15,000 in ND12 minutes ago
Richard F. got help with $10,000 in SC13 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

Am paying off all my...

Am paying off all my debts slow but sure...


5 stars

They Have Been Very...

They Have Been Very Corporative. I Never Have To Worry If My Bills Are Paid On Time.


5 stars

This was a hard call for...

This was a hard call for me to make. Your team was so helpful, non judgmental and...


5 stars

They get it done

They regularly accomplish what they promised they would.


5 stars

Good experience.

Good experience.


4 stars


Easy and wonderful solution to move forward in my Economic improvement plan.

Paz P.

5 stars

It is really helping to...

It is really helping to turn around my credit. Highly recommend them.

Vanessa Steward

5 stars

Great customer support

Great customer service


4 stars

First time using site

First time using site


4 stars

Forgot password

It was quick and simple


5 stars

Credit Solutions

The person I spoke with, was very knowledgeable. Made everything so easy.


5 stars

Very good

Very good, good and Friendly staff


5 stars

Great customer service...

Great customer service by Nick.


5 stars

client is kept informed

client is kept informed


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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