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

Carolyn S. got help with $13,000 in GA4 minutes ago
Kenneth I. got help with $10,000 in MA4 minutes ago
Justin D. got help with $12,000 in NY30 minutes ago
Heather L. got help with $50,000 in WV34 minutes ago
Elizabeth G. got help with $45,000 in MS53 minutes ago
Jennifer B. got help with $10,000 in FL59 minutes ago
Karan K. got help with $10,000 in IN59 minutes ago
Gurpreet S. got help with $10,000 in CA60 minutes ago
Cinelda A. got help with $10,000 in FL1 hour ago
Shelbi C. got help with $7,500 in FL2 hours ago
Monica G. got help with $7,500 in FL2 hours ago
Estrada E. got help with $60,000 in CA2 hours ago
Don B. got help with $7,500 in TN2 hours ago
Ijeoma A. got help with $10,000 in TX2 hours ago
Yahaira C. got help with $7,500 in NJ2 hours ago
Bryan S. got help with $10,000 in OH3 hours ago
Francisco Javier H. got help with $55,000 in IN3 hours ago
Jennifer E. got help with $25,000 in CA3 hours ago
Vicky G. got help with $10,000 in VA3 hours ago
Ernest B. got help with $7,500 in WI4 hours 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 8,720 reviews onTrustpilot
5 stars

I am satisfied

I am satisfied

Michele Smith

5 stars

Hi I talked to a...

Hi I talked to a gentleman I did the survey and hit a 2 it's a 1 I'm sorry for any...

Susan Hyland Johns

5 stars

I just got started on...

I just got started on the program, my payments every month are reasonable and...

Stephanie Moore

5 stars

Informative staff and...

Informative staff and understanding. Top negotiating process. Thank you


5 stars

this has been a great...

this has been a great help in getting back on track


5 stars

It went great

It went great . Can't thank you enough for all that you do . Yall have took such a...

Debbie Campbell Gonzalez

5 stars

So far so good

So far so good


5 stars

Consolidated help me...

Consolidated help me closed two outstanding credit card accounts that was nagging...

Don Donovan

5 stars

This has been the...

This has been the perfect solution for me to consolidate my debt. Easy to use and...


5 stars

Extremely grateful to...

Extremely grateful to have come across this company. Hope to be debt free very soon.


5 stars

Consolidated Credit been...

Consolidated Credit been great in keep my payment updated.


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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