Certified Credit Counseling with a Focus on Financial Education

Since 1993, Consolidated Credit has helped over 10.2 million people find relief from credit card debt to achieve real financial stability

Credit card debt problems are running rampant in the U.S. today. Americans owe more than $1.166 trillion, and we keep adding more every year. The truth is that most people aren’t taking on debt because they’re irresponsible. Most credit card debt comes from challenges like lack of income, emergency expenses, and out-of-pocket medical bills.

That’s why we believe that solving people’s debt challenges requires more than just a program that can help them become debt-free. True financial stability takes education and application, and that’s what we help our customers do. Consolidated Credit is one of the nation’s largest nonprofit credit counseling agencies and we’ve spent over a quarter of a century helping people find financial freedom.

Consolidated Credit’s mission: To assist families throughout the United States to end financial crises and solve money management issues through education and professional counseling.

“Without financial education, financial stability is just a dream,”

Gary Herman, President of consolidated credit
5 stars

No problem very good...

No problem very good customer service

Devon Rattray

5 stars

I have worked with...

I have worked with Consolidated Credit in the past, and they are by far the most...

Pedro

5 stars

This company is awesome

This company is awesome, it's helping me pay my debt of every month after the...

SUNSHINE LANDFAIR

5 stars

I've paid off so much...

I've paid off so much over the past few years

DAVID DOVE

5 stars

Trustworthy and honest

Does whats expected and trustworthy. They are not shady and keep the payments for...

KEVIN D.

5 stars

Always very helpful when...

Always very helpful when contacted, easy to work with! Has made my life much...

LeeAnn

5 stars

The website is easy to...

The website is easy to navigate.

RYAN D.

5 stars

Game Changer

This company is so professional to work with. They are not like other debt...

Roberta Prostor

5 stars

I highly recommend...

Reps listened and we're patient and tried their best to help me solve my credit...

Julie

5 stars

Excellent help

Excellent help! They really take care of their customers. I’d highly recommend

Maria De Lourdes F.

5 stars

Effective program.

Effective program.

RUBY

5 stars

Consolidated Credit is...

Consolidated Credit didn't loan me money; they got my credit card companies to agree...

Howard Gavin

5 stars

All my debt, in one easy...

The company helped me lower my payments by a large amount and has been keeping up...

AARON O.

5 stars

Very Professional & easy...

Very Professional & easy to work with-every representative is understanding, and...

Tina Jakova

Showing our 4 and 5 star ratings

Trustpilot

If you need immediate assistance, please visit our Contact page to find the phone number for the department that can help you.

Meet our team

Our leadership team collectively has over a century of experience in helping people achieve freedom from debt while building financial literacy.

Want to join the Consolidated Credit team? Send your resume to jobs@consolidatedcredit.org or apply to be a CSR online now!

Learn more about career opportunities with Consolidated Credit »

Consolidated Credit in the Media

Yahoo!Finance logo

Higher prices could be killing your credit. Here’s what to do about it.

December 23, 2025

“Not everyone has the same buffer when costs go up. Lower- and middle-income households, and especially younger borrowers, often carry the biggest weight,”…

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FOX4 Southwest Florida logo

Holiday debt hangover: How to avoid carrying gift purchases into next year

December 11, 2025

“This isn’t just about leftover balances,” April Lewis-Parks said, Director of Education at Consolidated Credit. “It’s a deeper sign of financial strain as families juggle inf…

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Bankrate B logo

Trapped by fast cash: How one woman escaped the payday loan debt spiral

December 10, 2025

“It is very difficult to break the payday loan cycle because once they’re stuck in it, they take another payday loan to help pay for everything else.”…

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Consolidated Credit Press Center

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Consolidated Credit Starts Off the New Year with New Webinar Series Focused on the Best Debt Strategy, Preparing for Tax Season, and Earning Financial Freedom

January 15, 2026

Free monthly webinars that help consumers learn how to pick the best debt strategy, prepare for a stress-free tax season, and earn financial independence and freedom. Fort …

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child specialist team

Consolidated Credit Proudly Supports the 2025 Joe DiMaggio Red Gala Fundraiser

November 19, 2025

Fort Lauderdale, FL – November 19, 2025 – Consolidated Credit is honored to support the Joe DiMaggio Children’s Hospital Red Gala, an event that raises vital funds to ad…

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CCUS Survey Slides

Consolidated Credit Survey: Americans Still Carrying Last Year’s Holiday Debt — and It’s Shaping 2025 Decisions

November 6, 2025

FORT LAUDERDALE, Fla., Nov. 6, 2025 –  As the 2025 holiday season approaches, a new consumer survey from nonprofit financial counseling organization Consolidated Credit r…

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