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

Wendy G. got help with $16,000 in OR1 minute ago
Jason H. got help with $15,000 in OR4 minutes ago
Luke O. got help with $15,000 in OK7 minutes ago
Debra D. got help with $16,000 in WA8 minutes ago
Eric T. got help with $60,000 in CA10 minutes ago
Christina B. got help with $7,500 in NC15 minutes ago
Chris S. got help with $16,000 in OR21 minutes ago
Barbara A L. got help with $10,000 in WA22 minutes ago
Anaisa G. got help with $10,000 in TX29 minutes ago
Juan G. got help with $25,000 in NJ30 minutes ago
Anita G. got help with $10,000 in RI35 minutes ago
Irma H. got help with $17,000 in OR40 minutes ago
Taylor W. got help with $21,000 in IL41 minutes ago
Jennifer H. got help with $21,000 in TX43 minutes ago
Christine R. got help with $27,000 in WA45 minutes ago
Jose C. got help with $10,000 in FL45 minutes ago
Braxton M. got help with $15,000 in TX45 minutes ago
Christina M. got help with $15,000 in AL51 minutes ago
Gustavo M. got help with $10,000 in CA51 minutes ago
Mark R. got help with $40,000 in OR57 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 8,788 reviews onTrustpilot
5 stars

The representative I had...

The representative I had assist me on the phone was very helpful and knowlegable.

Joan Adkins

5 stars

I haven't learned and am...

I haven't learned and am back!! This time I [plan on using ALL THE SERVICES.

Julia M.

5 stars

been on my plan for only...

been on my plan for only a couple months now and it's going well, very satisfied at...


5 stars

Good experience so far

Good experience so far, great comunication


5 stars

Just do it. Worth your...

They have always helped me out. No matter what.


5 stars

Very helpful

Very helpful


5 stars

Love the customer...

Love the customer service!!!!


5 stars

Great customer service...

Great customer service to help me understand everything that will be happening.

Deneca Murray

5 stars

Very satisfies always...

Very satisfies always very helpful when I call with any questions.


5 stars

staff was very helpul

staff was very helpul, professional

Samuel D

5 stars

Very patient on the...

Very patient on the phone.


5 stars

Great Service

Great service


5 stars

Great Service

Everything has been great so far with the company.


5 stars

Great people

Great people


5 stars

Midnight velvet account

Received call to review account Midnight velvet. Advise that merchant was sent...

Brenda Johnson

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

Recent News Articles

A New Place for Veterans


Consolidated Credit partner Mission United celebrates its 10th anniversary by opening a new location for Veteran financial services. Mission United…

Read full article 2-minutes read

You Could Win $500 in Our Thankful Photo Contest


It pays to be thankful as you work to get out of debt. Calling all Consolidated Credit clients and alumni!…

Read full article 7-minutes read

Consolidated Credit’s Homebuying Fair Makes Homeownership Possible – Even in Today’s Market


After a brief hiatus during the pandemic, the annual homebuying fairs are back. Buying a home is confusing in the…

Read full article 3-minutes read

American Financial Well-Being in 2022


The CFPB has released their new report, which details how people deal with their financial obligations. You’ve heard of credit…

Read full article 11-minutes read