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

Deanna L. got help with $20,000 in RI15 minutes ago
Amanda G. got help with $15,000 in ME15 minutes ago
Chanelle E. got help with $10,500 in AR17 minutes ago
James W. got help with $60,000 in NV25 minutes ago
Lorena R. got help with $25,000 in CA26 minutes ago
Jennifer D. got help with $25,000 in NC27 minutes ago
Jorge R R. got help with $40,000 in PR31 minutes ago
Elizabeth N. got help with $20,000 in TX36 minutes ago
Nicholas M. got help with $20,000 in GA53 minutes ago
Emilia G. got help with $15,000 in NY58 minutes ago
Keren V. got help with $9,999 in NY60 minutes ago
Sirisack B. got help with $75,000 in OR1 hour ago
Hallie D. got help with $9,999 in ID1 hour ago
Joseph P. got help with $9,999 in NY1 hour ago
Franklin M. got help with $25,000 in MA1 hour ago
Janette R. got help with $9,999 in TX1 hour ago
Helen K. got help with $9,999 in VA1 hour ago
Madonna R. got help with $9,999 in NY2 hours ago
Segundo M. got help with $30,000 in NJ2 hours ago
Lisa J. got help with $9,999 in NY2 hours 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

They have been so...

They have been so helpful in helping me get out of debt. I will never forget the...


5 stars

They helped me manage my...

They helped me manage my bills


5 stars

Things can change

Good people doing good work.


5 stars

This program really is a...

So far this process has been so easy. The company has delivered everything they said...

Heather Duncan

4 stars


Never have had a problem with them. Good, honest and professional and they get the...

Penny Slade

5 stars

The company is extremely...

The company is extremely transparent and always keeping me up to date with a...


5 stars

Rep was understanding...

Rep was understanding and treated me like a human being.

Richard Pickernell

5 stars

Thank you for your...

I have 3 months to go and I will have paid off something like $20,000 of debt. You...


5 stars

Michael Whittingham...

Michael Whittingham treated me with kids gloves and explained everything that he was...


4 stars

There doing well and...

There doing well and good customer service


5 stars

Thankful old woman

The cost was minimal and my memory is not what it should be, but it did not have to...


5 stars

First Step to Financial...

For years I was feeling like I was underwater dealing with my overall debt. When I...


5 stars


Easy access


5 stars

I was looking around for...

I was looking around for personal loans to consolidate my credit card debt when I...

Monica Golly

5 stars

Consolidated credit is...

Consolidated credit is always easy to communicate with. They do everything they can...

Ashley McQuirk

5 stars

Easy once you get passed...

Easy once you get passed the Chat box to Verify not a robot


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

Recent News Articles

Making the Most of Your 401(k) Contributions


Only 13% of workers max out their 401(k) contributions, but more of us should be. When it comes to retirement…

Read full article 4-minutes read

Spring Clean Your Finances for Financial Literacy Month


Money management is a skill — and like any other skill, it requires learning, training, and practice. “Now more than…

Read full article 6-minutes read

March is National Credit Education Month


1 in 10 Americans don't know their credit score and twice as many people don't know how to find it.…

Read full article 4-minutes read

Valentine’s Day Spending 2024


How much does the average American spend on Valentine’s Day? Only about 1 out of every 2 Americans plan on…

Read full article 5-minutes read