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

Audrey S. got help with $7,500 in OH1 minute ago
Gabriella W. got help with $25,000 in NJ3 minutes ago
Kailani M. got help with $7,500 in WA6 minutes ago
Alberta W. got help with $8,750 in CO6 minutes ago
Kaitlyn A. got help with $7,500 in AL8 minutes ago
Daniel C. got help with $10,000 in OR9 minutes ago
Amanda L. got help with $25,000 in LA9 minutes ago
Rachel L. got help with $15,000 in NC9 minutes ago
Arthur C. got help with $10,000 in SC9 minutes ago
Daisha W. got help with $15,000 in SC9 minutes ago
Johnathan C. got help with $9,000 in GA10 minutes ago
Martin S. got help with $15,000 in IL12 minutes ago
Nina S. got help with $9,000 in SC14 minutes ago
David L. got help with $14,000 in NJ15 minutes ago
Tyler S. got help with $12,000 in WA16 minutes ago
Jaymichael T. got help with $10,000 in MI20 minutes ago
Jardyel M. got help with $7,788 in GA21 minutes ago
Sharon M. got help with $8,750 in KY21 minutes ago
Maranda Q. got help with $20,000 in TX22 minutes ago
Lucy C. got help with $40,000 in IN23 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 8,748 reviews onTrustpilot
5 stars

The service is helpful...

The service is helpful God bless this staff :)


5 stars

Courtney was very...

Courtney was very pleasant, very knowledgeable and was very much willing to help.


4 stars

Gerwe returns

So satisfied that we are, again, seeking their help>


5 stars

When my credit cards...

When my credit cards interest went up to a point that I was just making minimum...


5 stars


I really like the way you are able to put all of your bills together

Margaret C. Ervng

5 stars




4 stars

The only thing that I am...

The only thing that I am not happy with is that the payments to my 2 bills do not...


5 stars

I am happy with this...

I am happy with this service.

Holly J Handy

5 stars

Satisfied customer

My agent was super helpful and informative! I am very happy I called.

A weight off my shoulders

5 stars

I am very happy with the...

I am very happy with the service so far.


5 stars

Having a great...

Having a great experience so far.


5 stars

I would recommend any ...

I would recommend any one to you guys. Thanks you people really help me.

Miriam J.

5 stars

Have had no problems.

Have had no problems.


5 stars

I talked to Cleveland

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


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

Recent News Articles

CFPB Investigating Credit Card Late Fees and Penalties


If you’ve ever been late with a credit card payment and thought that late fee you got popped with was…

Read full article 6-minutes read

Budget Buster: Back-to-School Shopping


Free webinar helps parents save during the second most expensive shopping season of the year. Back-to-school shopping is big business.…

Read full article 4-minutes read

Find Your State’s Tax-Free Weekend for Back to School Savings


Tax-free weekends for back-to-school can help you save. Attention all parents and students who are looking to save—the back-to-school tax-free…

Read full article 5-minutes read

What is Inflation and How Can You Get Ahead of Rising Costs?


It’s tough to keep up with costs when they continue to rise at exponential rates. Living paycheck-to-paycheck is stressful enough,…

Read full article 6-minutes read