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?
More than 10.2 million people helped in 30 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
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.
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 StoryHere's what our clients say
Excellent
Very helpful and the...
Very helpful and the person is always friendly
Dawn C.
Great
Great, honest company. I have working with them for a while. I ruined my credit...
NEVSHA L.
I had an ease access to...
I had an ease access to check on my account and see how am i doing towards the road...
Enrique and Belinda Estalilla
Thanks the procedure was...
Thanks the procedure was fairly straightforward
KURT G.
2025
unknown just responding
RONALD D.
Great service!
Great service!
Hass
Recommended
Always a short wait (if any) to talk to a super friendly, super helpful associate....
Rich Vogt
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!
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.
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 ToolsRecent News Articles
Financial Advice for New Graduates Entering the Workforce
UpdatedIf you’re one of the millions of Americans graduating, now’s the perfect time to get a handle on your finances.…
First-Time Home Buyers Checklist for the 2025 Market
UpdatedPeak homebuying season is coming up quick. Make sure you're prepared to purchase.
Understanding and Avoiding Common Credit Card Fees
UpdatedOne sneaky way money slips away is through credit card fees. They might seem like tiny nuisances, but they add…
What to Do If You Can’t Pay Your Taxes by the Deadline
UpdatedTax day has come and gone. If you’re facing an unpaid tax bill, you’re likely feeling the weight of potential…
