Helping People through Credit Challenges since 1993

The call & counseling are always free and there is never an application fee.

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?

Celebrating 30 Years of Service & Education
10.2M

More than 10.2 million people helped in 30 years

300+

300+ hrs. of live education each year

$9.75B

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

Deb H. got help with $10,000 in IA30 minutes ago
Mai Y. got help with $35,000 in WI43 minutes ago
Lisa C. got help with $45,000 in NY1 hour ago
Jessenia O. got help with $65,000 in PR1 hour ago
Sadsa D. got help with $60,000 in MD1 hour ago
Lee O. got help with $17,000 in WI1 hour ago
Miguel P. got help with $15,000 in FL1 hour ago
Tanya G. got help with $40,000 in HI1 hour ago
Felipe V. got help with $10,000 in CA1 hour ago
Lucas H. got help with $10,000 in IA1 hour ago
Rhiannon V. got help with $20,000 in CA2 hours ago
Shawn M. got help with $55,000 in WV2 hours ago
Melody G. got help with $10,000 in WI2 hours ago
Donyele W. got help with $20,000 in NJ3 hours ago
Sonya B. got help with $70,000 in VA3 hours ago
Milagro M. got help with $25,000 in NY3 hours ago
Charles B. got help with $25,000 in WA3 hours ago
Rosanah F. got help with $13,500 in OH3 hours ago
Erin S. got help with $15,000 in PA3 hours ago
Delmy R. got help with $10,000 in FL3 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
Virtual Intelligent Counselor Logo

Virtual Intelligent Counselor

VICTORY OVER DEBT!

The smartest way to a debt-free life? Use our
Virtual Intelligent Counselor. It’s FREE…

  • Gain control over your debt.
  • Get an easy-to-understand breakdown of your finances.
  • Save time before speaking with a counselor.

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%.

Details
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

5 stars

All questions answered`

All questions answered`

GAIL H.

5 stars

Great to work with!

Great experience and helping me get to a better financial standpoint.

Hadlee Rose

5 stars

Easy

I had gotten over my head in debt. Consolidating all my bills into one payment...

Cynthia Smiles

5 stars

facil de usar

facil de usar

Hector Santana

5 stars

Very easy to work with

Very easy to work with

VALERIE S.

5 stars

great customer service...

great customer service and the money actually goes to your creditors. Not a scam...

KEVIN B.

5 stars

it was great thank you

it was great thank you

KATHERINE W.

5 stars

great customer service

The representative I talked to is always very friendly and easy to get along with....

lynn

5 stars

Thank you for helping me...

Thank you for helping me get debt free

Tammy R. Ellis

5 stars

Everyone did what they...

Everyone did what they said they would do. The entire organization has performed...

BRAD B.

5 stars

Everyone is so wonderful...

Everyone is so wonderful to work with

Judy

5 stars

Excellent Customer...

Excellent Customer Service!

Geetha

5 stars

Just great customer...

Just great customer service

DeAnna McCutcheon

5 stars

My credit problem

My credit problem is being solved, so far.

Linda L Hill

5 stars

So grateful

So grateful someone I know recommended Consolidated Credit. I’ve been with them...

A. L.

Showing our 4 and 5 star ratings

Trustpilot

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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