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.
How much debt do you need help with?
More than 10.2 million people helped in 30 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
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.
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
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 StoryHere's what our clients say
Excellent
They have been so...
They have been so helpful in helping me get out of debt. I will never forget the...
DAVID D.
They helped me manage my...
They helped me manage my bills
LORI C
Things can change
Good people doing good work.
DEBORAH J.
This program really is a...
So far this process has been so easy. The company has delivered everything they said...
Heather Duncan
GREAT DEBT MANAGEMENT...
Never have had a problem with them. Good, honest and professional and they get the...
Penny Slade
The company is extremely...
The company is extremely transparent and always keeping me up to date with a...
ALBERTO S.
Rep was understanding...
Rep was understanding and treated me like a human being.
Richard Pickernell
Thank you for your...
I have 3 months to go and I will have paid off something like $20,000 of debt. You...
DAVID M.
Michael Whittingham...
Michael Whittingham treated me with kids gloves and explained everything that he was...
DAVID S.
There doing well and...
There doing well and good customer service
JOE E.
Thankful old woman
The cost was minimal and my memory is not what it should be, but it did not have to...
CHRISTINE STOWERS
First Step to Financial...
For years I was feeling like I was underwater dealing with my overall debt. When I...
CD
Freedom
Easy access
JEFFERY B.
I was looking around for...
I was looking around for personal loans to consolidate my credit card debt when I...
Monica Golly
Consolidated credit is...
Consolidated credit is always easy to communicate with. They do everything they can...
Ashley McQuirk
Easy once you get passed...
Easy once you get passed the Chat box to Verify not a robot
PEGGY R.
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%.
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.
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