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?

Celebrating 30 Years of Service & Education

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

Karen M. got help with $15,000 in NV3 minutes ago
Sechi I. got help with $9,999 in NV4 minutes ago
Alexis M. got help with $15,000 in IL6 minutes ago
Carlos R. got help with $7,500 in NJ6 minutes ago
Barry B. got help with $35,000 in PA10 minutes ago
Marion C. got help with $29,999 in OR13 minutes ago
Natalie L. got help with $15,828 in GA14 minutes ago
Carlos A. got help with $10,000 in FL17 minutes ago
Lorin K. got help with $9,999 in NE17 minutes ago
Venly L. got help with $18,000 in NJ19 minutes ago
Tabitha L. got help with $30,000 in PA24 minutes ago
Ryan C. got help with $9,999 in AZ24 minutes ago
Luis G. got help with $9,999 in NV25 minutes ago
Jay H. got help with $9,999 in CA30 minutes ago
Matthew T. got help with $7,500 in OR31 minutes ago
Sergei K. got help with $9,999 in WI32 minutes ago
Yorbin Jose T. got help with $30,000 in SC35 minutes ago
Branden M. got help with $15,000 in WI38 minutes ago
Ronald C. got help with $30,000 in FL40 minutes ago
Randall F. got help with $7,500 in OR42 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

5 stars

Great great threat

Great great threat


5 stars

I did not need to let my...

I did not need to let my credit card accounts laps on payments like a different...


5 stars

Program is straight...

Customer service is prompt. The program is laid out clearly and straight forward. I...


4 stars

Great job for helping me

Great job for helping me


5 stars

Very pleased with the...

Very pleased with the service and the customer service I’ve received. I feel good...


5 stars

Great customer service

Great customer service

Nancy Doherty

5 stars

Thank you Guillermo and...

I called with a problem and Guillermo help me resolve it and gave me every way they...

Jorge D. Cabrera

5 stars

The starting process was...

The starting process was very simple and easy to understand and they walk through...


5 stars

Very efficient...

Very efficient professional and helpful


5 stars


everyone I've ever spoken to is very compassionate, clear and helfpful


5 stars


Everything is going smoothly

Henry Krahling

5 stars

Son professionals y...

Son professionals y trabajan con much etica


5 stars

It was a great help to...

It was a great help to reduce the debt I had. Very organized.


5 stars

best place to be

Easy and helpful Update Months later I had one creditor who was not in my...


5 stars

Thanks for helping me...

Thanks for helping me with debt again


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

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