Helping People through Credit Challenges since 1993

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?

10.2M

More than 10.2 million people helped in 28 years

300+

300+ hrs. of live education each year

$9.75B

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

Alexander S. got help with $10,000 in MN1 minute ago
Samanta L. got help with $10,000 in AZ1 minute ago
Abram C. got help with $10,000 in LA2 minutes ago
Cameron A. got help with $10,000 in KY2 minutes ago
Tom R. got help with $10,000 in MI3 minutes ago
Katelynn H. got help with $7,500 in IN4 minutes ago
Melissa C. got help with $10,000 in MT6 minutes ago
Daniel L. got help with $40,000 in CA7 minutes ago
Caleb R. got help with $10,000 in TX13 minutes ago
Jose P. got help with $20,000 in FL14 minutes ago
Karla V. got help with $10,000 in IL15 minutes ago
Imogen G. got help with $10,000 in TX15 minutes ago
Xavier P. got help with $10,000 in MN17 minutes ago
Gordon P. got help with $8,750 in FL17 minutes ago
Kristie M. got help with $15,000 in OK17 minutes ago
Joshua E. got help with $10,000 in SD20 minutes ago
Jayson P. got help with $10,000 in ID20 minutes ago
Tiffany K. got help with $25,000 in WV21 minutes ago
Jennifer V. got help with $15,500 in GA22 minutes ago
Aimee D. got help with $10,000 in GA23 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%.

Details
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

Excellent

Trustpilot
Rated 4.7 / 5 based on 8,732 reviews onTrustpilot
5 stars

I talked to Cleveland

I talked to Cleveland. He was very helpful. Good customer service.

DALIA C.

5 stars

Good work

Good work!!!

JOYCE M.

5 stars

Satisfied

Completely satisfied with service

Carol Hadaway

5 stars

Why I like consolidated...

Consolidate credit helped me fill my personal money pit.

JOSH C.

5 stars

Glad consolidated can...

I was unsure about joining but after speaking with agents and reviews and also...

MARLENE G.

5 stars

You have been extremely...

You have been extremely helpful in guiding me all the way. Great service and very...

Rfrye

5 stars

Great

Great service

JESSICA LORRIANE O.

5 stars

Fantastic service and a...

Fantastic service and a big help on solving some of my credit cards debts

UWE G.

5 stars

I have been extremely...

I have been extremely satisfied with this company. The Customer Service department...

NANCY A

5 stars

I am satisfied

I am satisfied

Michele Smith

5 stars

Hi I talked to a...

Hi I talked to a gentleman I did the survey and hit a 2 it's a 1 I'm sorry for any...

Susan Hyland Johns

Showing our 4 and 5 star ratings

Trustpilot

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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