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 28 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

Michael D. got help with $15,000 in IL1 minute ago
Damariz B. got help with $7,500 in CT2 minutes ago
Vernal W. got help with $30,000 in NY3 minutes ago
Anita J. got help with $15,000 in TX4 minutes ago
Rebecca F. got help with $7,500 in TX5 minutes ago
Thomas G. got help with $7,500 in GA8 minutes ago
Jeff B. got help with $10,000 in FL8 minutes ago
Tyrell N. got help with $7,500 in NY9 minutes ago
Tammy P. got help with $15,000 in NC10 minutes ago
Tyshanna P. got help with $25,000 in GA12 minutes ago
Johnny H. got help with $50,000 in TN12 minutes ago
Jessica H. got help with $18,000 in TN13 minutes ago
Vider P. got help with $15,000 in MS14 minutes ago
Fredrica M. got help with $10,000 in FL15 minutes ago
Helen G. got help with $30,000 in DE15 minutes ago
Connie J G. got help with $12,500 in LA17 minutes ago
Asia C. got help with $15,000 in IA19 minutes ago
Lindsay W. got help with $21,000 in CA20 minutes ago
John F. got help with $15,000 in NV20 minutes ago
Jose/Luisa L. got help with $29,999 in GA20 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


Rated 4.7 / 5 based on 8,748 reviews onTrustpilot
5 stars

The service is helpful...

The service is helpful God bless this staff :)


5 stars

Courtney was very...

Courtney was very pleasant, very knowledgeable and was very much willing to help.


4 stars

Gerwe returns

So satisfied that we are, again, seeking their help>


5 stars

When my credit cards...

When my credit cards interest went up to a point that I was just making minimum...


5 stars


I really like the way you are able to put all of your bills together

Margaret C. Ervng

5 stars




4 stars

The only thing that I am...

The only thing that I am not happy with is that the payments to my 2 bills do not...


5 stars

I am happy with this...

I am happy with this service.

Holly J Handy

5 stars

Satisfied customer

My agent was super helpful and informative! I am very happy I called.

A weight off my shoulders

5 stars

I am very happy with the...

I am very happy with the service so far.


5 stars

Having a great...

Having a great experience so far.


5 stars

I would recommend any ...

I would recommend any one to you guys. Thanks you people really help me.

Miriam J.

5 stars

Have had no problems.

Have had no problems.


5 stars

I talked to Cleveland

I talked to Cleveland. He was very helpful. Good customer service.


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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