Counseling 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

Foa K. got help with $8,000 in OR1 minute ago
Cindy G. got help with $15,000 in FL2 minutes ago
Richard S. got help with $25,000 in OR2 minutes ago
Mariela R. got help with $70,000 in CA4 minutes ago
Mikaela B. got help with $15,000 in MD5 minutes ago
Ritika C. got help with $12,500 in CA8 minutes ago
Stateson F. got help with $8,750 in MD14 minutes ago
Kenneth C. got help with $21,000 in AZ15 minutes ago
Mark P. got help with $8,750 in NC16 minutes ago
June N. got help with $15,000 in AZ16 minutes ago
Niursy Maria B. got help with $8,750 in FL17 minutes ago
Tatyana S. got help with $8,750 in GA17 minutes ago
Penelope W. got help with $8,000 in TX18 minutes ago
Kemy E. got help with $7,500 in FL21 minutes ago
Andrii P. got help with $8,750 in NY23 minutes ago
Witchy A. got help with $8,750 in NY29 minutes ago
Clifton C. got help with $15,000 in TN30 minutes ago
Matthew L. got help with $8,750 in CA35 minutes ago
Montana B. got help with $15,000 in NE39 minutes ago
Doug U. got help with $8,750 in MI41 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 8,684 reviews onTrustpilot
5 stars

I was so happy that...

I was so happy that Consolidated Credit was able to help me become debt free.


5 stars

Erica was great

Erica was so friendly ad helpful and helped me quickly I had a great experience with...

Elizabeth M.

5 stars

Very professional.

Very professional.


5 stars

This has been the best...

This has been the best service at knocking down my balances and getting me out of...

Sarah Wade

5 stars

I have used them before...

I have used them before and they were marvelous. That is why I trusted them again...


4 stars

consolidated credit...

consolidated credit helped me within minutes. i was able to reduce how many bills...


5 stars

Great customer service.

Great customer service.


5 stars

Great Support!

Very helpful and understanding!


5 stars

Great support

Great support, Great help, Great work all around


5 stars


Excellent services.


5 stars

It's a relief to know my...

It's a relief to know my bills are being paid as agreed. No late notices or calls. ...

Robin Winkelman

5 stars

The gentleman I spoke...

The gentleman I spoke with was on point with everything. Very satisfied with updates...

Margaret S.

5 stars

great service.

great service.

Toby H

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

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