Helping People through Credit Challenges since 1993

Our mission

To assist families throughout the United States to end financial crises and solve money management issues through education and professional counseling.

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

Bruce H. got help with $10,000 in FL2 minutes ago
Hernando V. got help with $15,000 in NV3 minutes ago
Michael F. got help with $12,000 in RI6 minutes ago
Jeffery D. got help with $9,500 in OH10 minutes ago
Miranda H. got help with $15,000 in CA12 minutes ago
Salvador C. got help with $20,001 in NY20 minutes ago
Joyce G. got help with $25,000 in NY21 minutes ago
Christian G. got help with $10,000 in AZ22 minutes ago
Mark S. got help with $10,001 in WI25 minutes ago
Landon R. got help with $15,001 in OR35 minutes ago
Jaynie F. got help with $9,999 in NM38 minutes ago
Carl T. got help with $15,000 in CA42 minutes ago
Gayle M. got help with $10,001 in AR48 minutes ago
Gohar K. got help with $40,000 in CA1 hour ago
Travis C. got help with $16,000 in CA1 hour ago
Kevin F. got help with $40,000 in CA1 hour ago
Giovanni H. got help with $9,896 in CA1 hour ago
Irina M. got help with $25,001 in MD1 hour ago
Mandy Lu C. got help with $75,000 in WA1 hour ago
David H. got help with $25,000 in WV1 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


Rated 4.7 / 5 based on 8,813 reviews onTrustpilot
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


5 stars

Great experience

Great experience


4 stars

I would like to see on...

I would like to see on my portal my starting balance and my balance as to where I am...


5 stars

This program help me get...

This program help me get my finances together and pay them off.


5 stars

Best Made Plans Starts...

They work with my Creditors which put me at ease.


5 stars

Customer service

Great cust service


5 stars

Very helpful

Very helpful and quick response when I have any issues. So far my debt has gone down...


5 stars


Extremely happy that I will get the help that I need. Everything was broken down and...


4 stars

Customer service was...

Customer service was very helpful.


5 stars


I was very satisfied with the service provided by the customer service agent.


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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