Helping 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

Jada E. got help with $7,500 in NC1 minute ago
Glenda B. got help with $10,000 in SD4 minutes ago
Courtney B. got help with $7,500 in MS8 minutes ago
Ronald S. got help with $7,500 in IN9 minutes ago
Boonlas T. got help with $25,000 in OR10 minutes ago
Dwayne W. got help with $21,000 in VA13 minutes ago
Maresa H. got help with $10,000 in PA14 minutes ago
Sylvia C. got help with $10,000 in WA15 minutes ago
Melvin O. got help with $10,000 in LA38 minutes ago
Loren R. got help with $10,000 in MO38 minutes ago
Joelle T. got help with $15,000 in FL39 minutes ago
Cheryl F. got help with $10,000 in KS46 minutes ago
Maurice R. got help with $10,000 in AZ47 minutes ago
Laura M. got help with $10,000 in MI49 minutes ago
Robert M. got help with $78,000 in WV50 minutes ago
Dennis M. got help with $30,000 in WV57 minutes ago
Autumn J. got help with $70,000 in MN1 hour ago
Eon G. got help with $10,000 in MN1 hour ago
Brenda H. got help with $15,000 in CA1 hour ago
Warren C. got help with $15,000 in MD1 hour 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 8,732 reviews onTrustpilot
5 stars

I talked to Cleveland

I talked to Cleveland. He was very helpful. Good customer service.


5 stars

Good work

Good work!!!


5 stars


Completely satisfied with service

Carol Hadaway

5 stars

Why I like consolidated...

Consolidate credit helped me fill my personal money pit.


5 stars

Glad consolidated can...

I was unsure about joining but after speaking with agents and reviews and also...


5 stars

You have been extremely...

You have been extremely helpful in guiding me all the way. Great service and very...


5 stars


Great service


5 stars

Fantastic service and a...

Fantastic service and a big help on solving some of my credit cards debts


5 stars

I have been extremely...

I have been extremely satisfied with this company. The Customer Service department...


5 stars

I am satisfied

I am satisfied

Michele Smith

5 stars

Hi I talked to a...

Hi I talked to a gentleman I did the survey and hit a 2 it's a 1 I'm sorry for any...

Susan Hyland Johns

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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