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

Alicia B. got help with $10,000 in NY1 minute ago
Jensen R. got help with $15,000 in SC13 minutes ago
Gregory H. got help with $30,000 in DC37 minutes ago
Sandra G. got help with $10,000 in FL40 minutes ago
Emelda R. got help with $20,000 in MA48 minutes ago
Karla V. got help with $15,000 in TX49 minutes ago
Ana P. got help with $10,000 in CA50 minutes ago
Kristie L. got help with $15,000 in NM54 minutes ago
Walter B. got help with $20,000 in AZ59 minutes ago
Dena B. got help with $20,000 in DE1 hour ago
Franklin S. got help with $30,000 in TN1 hour ago
Barbara M. got help with $20,000 in CA1 hour ago
Miguel S. got help with $30,000 in MN1 hour ago
Karelt V. got help with $20,000 in FL1 hour ago
Jose F. got help with $10,000 in TX1 hour ago
Amanda S. got help with $15,000 in FL2 hours ago
Tara L. got help with $10,000 in NC2 hours ago
Jose A L. got help with $30,000 in CA2 hours ago
Jaquelin G. got help with $10,000 in IL2 hours ago
Yohana P. got help with $15,000 in CA2 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%.

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

Helping me to get out of...

Helping me to get out of debt,with low payment. Thanks for your support 🙏🦋😊

JEANETTE WATSON

5 stars

Great Customer Service!

So far everything is great. I had an issue but Consolidated Credit handle it in a...

CAROL G.

5 stars

They are just helpful

They are just helpful, polite and seem to care about you

Sharon Ellis

5 stars

Professional and...

Professional and courteous representatives.

MARIA V.

5 stars

CCS is a great Company!

CCS is a great Company! They are supportive, comforting and a big help in getting my...

Renee Monroe

5 stars

Great Company so far

We are new with this company. So far the best thing is the way they keep in constant...

ANGEL

5 stars

Great Company

Great I would recommend this company

PAMELA ANN H.

5 stars

The Agent was patient...

The Agent was patient and very helpful

JESSICA R.

5 stars

Very Friendly

The consultant I spoke with, Jason, was extremely friendly and non-judgemental. The...

AM

4 stars

Courtesy

Courtesy, they are very helpful, and they are very trained about the lenders process...

"G"

5 stars

Very nice and good.

Very helpful customer service. I'm lucky to have this access.

JOEL D.

5 stars

Craig Mednick listened...

Craig Mednick listened very well and pleasantly as I described my situation. He then...

Viola Magsisi

5 stars

Thanks!

The team was extremely patient and supportive. They created an extremely manageable...

COLIN M.

5 stars

Quick response time and...

Quick response time and very helpful.

ELIZABETH B.

5 stars

We're grateful.

We're grateful.

Ana

5 stars

The amt never changes...

The amt never changes and y'all have helped my credit score

CRYSTAL S.

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

Recent News Articles

6 Tips to Avoid Financial Disaster During Hurricane Season

Updated

Hurricane season is here — are you financially prepared to weather the storm?

Read full article 3-minutes read

Making the Most of Your 401(k) Contributions

Updated

Only 13% of workers max out their 401(k) contributions, but more of us should be. When it comes to retirement…

Read full article 4-minutes read

Spring Clean Your Finances for Financial Literacy Month

Updated

Money management is a skill — and like any other skill, it requires learning, training, and practice. “Now more than…

Read full article 6-minutes read

March is National Credit Education Month

Updated

1 in 10 Americans don't know their credit score and twice as many people don't know how to find it.…

Read full article 4-minutes read