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You are not alone:

More than 6.5 million
helped in 25 years

Over $7.8 billion in
debt consolidated

300+ hrs. of live
education each year

How Credit Counseling Works in 3 Easy Steps

Chat icon signifying free evaluation with a certified credit counselor.

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.

People under a money icon signifying credit counseling negotiation to reduce interest rates and stop fees.

Start as Soon as
You're Ready

Take the time you need to decide. Once you are ready to enroll, we call your creditors to negotiate lower interest rates and stop fees.

Money bag in hand icon signifying cost savings of using a debt management program.

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.

LEARN MORE

Working with creditors on your behalf...

These are just some of the creditors we work with to help our clients every day. As your advocate, our credit counseling team will negotiate with all of your creditors to minimize interest charges, stop penalties and set up a repayment plan that you can afford. Negotiated interest rates are typically reduced to between 0-10%.

Details

Here's what our clients say...

Without this program we’d be drowning, making minimum payments on 17 cards and getting nowhere. We saved so much money!

GREG B.

Consolidated Credit is a life saver! We owed $80,000 and got out of debt in 4 years, and it helped our credit score.

ROSA

This is a great alternative to bankruptcy. They stopped interest and late fees, so our balances are finally going down.

JOHN R.

Best Rating: 5 | Average Rating: 4.8 | Total Ratings: 4226

More Reviews

Find out how much you could save

Just tell us how much you owe, in total, and we’ll estimate your new consolidated monthly payment.

YOU CAN SAVE!

With this amount of debt, you'd pay around

^$ per month

Get Started

(844) 276-1544

This estimate compares paying your credit card debt on your own vs. the potential benefit of using a Debt Management Plan through completion. IT'S NOT AN ACTUAL QUOTE. Estimate is based on 2.1% of your balance owed. Actual interest rates will vary by consumer and creditor – yours could be higher or lower. Consolidated Credit might be able to reduce your interest rates and late fees allowing you to pay off your credit card debt quicker (since more payments are applied to your principal balances, saving you lots of money in the long run). To complete the program, you must make on-time payments each month. Late or missed payments may cause your program to be cancelled and in that event, this estimate would not apply to you.

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%.

See debt consolidation in action »

Specialized Credit Counseling Services and Financial Education Programs

HUD-Approved Housing Counseling

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

Corporate Financial Wellness Program

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.

Increase Productivity

Money Management and the Military

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.

Let Us Help You

Financial Resources and Helpful Tools

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.

Improve Your Finances

Reduce your total credit card payments by up to 30-50%

Thank you for your application!

What is your total credit card debt amount?

Provide a few details about yourself.

You are not alone:

How Credit Counseling Works in 3 Easy Steps

Talk to a Counselor
for Free

Start as Soon as
You're Ready

Get Out of
Debt Faster

Working with creditors on your behalf...

Here's what our clients say...

Find out how much you could save

Debt Relief in Action

Specialized Credit Counseling Services and Financial Education Programs

HUD-Approved Housing Counseling

Corporate Financial Wellness Program

Money Management and the Military

Financial Resources and Helpful Tools

Address Information

Housing Information

Reduce your total credit card payments by up to 30-50%

Thank you for your application!

What is your total credit card debt amount?

Provide a few details about yourself.

You are not alone:

How Credit Counseling Works in 3 Easy Steps

Talk to a Counselorfor Free

Start as Soon asYou're Ready

Get Out ofDebt Faster

Working with creditors on your behalf...

Here's what our clients say...

Find out how much you could save

Debt Relief in Action

Specialized Credit Counseling Services and Financial Education Programs

Related News

Talk to a Counselor
for Free

Start as Soon as
You're Ready

Get Out of
Debt Faster