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.

Celebrating 30 Years of Service & Education

How much debt do you need help with?

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.

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You Are Not Alone

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

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.

Start Now

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

Excellent

Rated 4.7 / 5 based on 9,127 reviews on

Highly Recommend

Great results

JACQUELINE G.

They took care of it

I was lucky that a lender passed my info to Consolidated once they determined they...

NICHOLAS K.

Above and beyond

When ever I speak to anyone including on this call they are very educated and make...

Autumn Wise

I had too many debts...

I had too many debts when I retired was not able to cover all the payments I dint...

ELBA P.

It was easy and simple...

It was easy and simple and explained very well by the representative that helped me....

BLAIN P.

The best at what they do!

JOHN R.

It is nice to be able to...

It is nice to be able to afford the drafts done at a lower interest rate and see my...

MARY L.

Staff are very helpful...

Staff are very helpful and kind.

Jay C

I was deep in credit...

I was deep in credit card debt and Consolidated Credit helped me to pay off my...

GENISE S.

Great service.

MORRIS B.

Honestly they are the...

Honestly they are the best! Saved so much on interest and lowered my monthly...

THE BEST

Make a change or you...

They work with you to help you.

Aaron Green

Great Customer Service

I just spoke to a representative this afternoon about an issue regarding a creditor...

Rae

Very knowledgeable and...

Very knowledgeable and helpful

Jory T.

Showing our 4 and 5 star ratings

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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%.

See Debt Consolidation in Action

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

HUD-Approved
Housing Counseling

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

Corporate Financial
Wellness Program

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

Money Management
and the Military

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

Financial Resources
and Helpful Tools

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