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.

30 Years Graphic
30 Years Graphic

How much debt do you need help with?

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

Stephanie H. got help with $11,500 in OK1 minute ago
Richard H. got help with $10,000 in AZ5 minutes ago
Matthew A. got help with $15,000 in MD7 minutes ago
Anthony S. got help with $15,000 in FL15 minutes ago
Casey F. got help with $45,500 in MO17 minutes ago
Donita M. got help with $30,000 in AL17 minutes ago
Juanita S. got help with $10,000 in TN29 minutes ago
Brionna C. got help with $15,000 in AZ30 minutes ago
Kyra C. got help with $15,000 in CT35 minutes ago
Rebecca V. got help with $9,999 in KS36 minutes ago
Jesus B. got help with $22,000 in NV37 minutes ago
Tejah A. got help with $15,000 in CA44 minutes ago
Cory M. got help with $27,000 in OH47 minutes ago
Carolina J. got help with $35,000 in TX48 minutes ago
Leyanis F. got help with $15,000 in FL49 minutes ago
Leslie H. got help with $15,000 in NY51 minutes ago
Angel D. got help with $25,000 in MA52 minutes ago
Juan O. got help with $20,000 in TX54 minutes ago
Ricky W. got help with $15,000 in TX60 minutes ago
Francinaldo S. got help with $87,962 in KS1 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%.

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

Quick fix

Quick fix. Sweet and nice rep.

LESLIE ARLETTE W.

5 stars

Very efficient

Very efficient, professional service representatives.

ROBERT K.

4 stars

I am totally satisfied...

I am totally satisfied with their performance and I wish I would have come to them...

CHRISTNE S.

5 stars

Great service

Great service and customer service

ERIS M.

5 stars

Sergio was beyond...

Sergio was beyond amazing!!! He was so kind and patient! He answered all my...

Elizabeth N.

5 stars

Great company

Very helpful and reasonable. Easy. Great customer service

Robert

5 stars

The customer experience...

The customer experience is great

KIMBERLY W.

5 stars

I had a one-on-one...

I had a one-on-one counselor that walked me through everything and showed me what my...

Bethania Cook

5 stars

paying my bills

i love it where they are paying my credit cards off and i don't have to worry about...

DONNA S.

5 stars

wonderful service

very affordable

MICHAEL T.

5 stars

Easy to get an answer

Easy to get an answer

Sandra

5 stars

Easy to work with and...

Easy to work with and bills are being paid off quickly.

Rossann Davis

5 stars

fFriendly,professional,

fFriendly,professional,

JUDITH C.

5 stars

Great Servíce

——————————

MARIA W.

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

The Biggest Holiday Spenders Have a Surprising Amount of Credit Card Debt

Updated

English speakers 4x more likely to spend over $1,000 on the holidays than Spanish speakers. English and Spanish-speaking Americans have…

Read full article 2-minutes read

Habitat for Humanity and Consolidated Credit: Building Homes and Wealth

Updated

In a first-time partnership, Consolidated Credit works with Habitat for Humanity to provide financial education to 25 soon-to-be homeowners.

Read full article 2-minutes read

The Student Loan Crisis Is Worse than You Think

Updated

Payments resume in October, but Consolidated Credit warns: “Student loans are part of a bigger problem.” In a few days,…

Read full article 3-minutes read

It’s Time for Your 2023 Fall Financial Checkup

Updated

8 Financial things to do before the end of the year The weather is getting cooler but prices on consumer…

Read full article 7-minutes read