Helping People through Credit Challenges since 1993
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
A debt management
- 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.
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%.Details
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
I am satisfied
I am satisfied
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
I just got started on...
I just got started on the program, my payments every month are reasonable and...
Informative staff and...
Informative staff and understanding. Top negotiating process. Thank you
SARAH YVES C.
this has been a great...
this has been a great help in getting back on track
It went great
It went great . Can't thank you enough for all that you do . Yall have took such a...
Debbie Campbell Gonzalez
So far so good
So far so good
Consolidated help me...
Consolidated help me closed two outstanding credit card accounts that was nagging...
This has been the...
This has been the perfect solution for me to consolidate my debt. Easy to use and...
Extremely grateful to...
Extremely grateful to have come across this company. Hope to be debt free very soon.
IRIS ROCIO J.
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%.
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
Recent News Articles
Helping homebuyers and homeowners get ahead of rising interest rates. For the first time in more than 18 years, the…
You may not be able to anticipate these unexpected events, but you can prepare for them. Major unexpected events like…
Here’s what the latest rate hike—and all the coming hikes—will mean for you. On March 16 the Federal Reserve did…