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

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

5 stars

They helped me to...

They helped me to negotiate with my creditors. I’ll be saving a lot of money in...

JESUS H.

5 stars

The process was really...

The process was really simple to start, they lowered my monthly credit card bills...

EF.

5 stars

Satisfied

Everyone I've spoken to has been very helpful and professional

Todd Kamps

5 stars

Ease of use and...

Ease of use and convenience. Great rates.

CHARENA S.

5 stars

Great service

Thank you thank you

Timothy

5 stars

The ease of it all

The ease of it all. It was the best outcome and excellent customer service.

Cherise Heisser

5 stars

Consolidated Credit...

Consolidated Credit made it possible to finally pay off a debt that would have taken...

Margaret Casey

5 stars

Service all the time

Service request for my case always helped and very patient

Brannoc Labadie

5 stars

Good very good

Good very good

WILBERT G.

5 stars

Personable service

Personable service

Audra Brown

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

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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The Southern Maryland Chronicle logo

Survey Finds 36% Carry Holiday Debt Into 2025 Season

November 18, 2025

“This isn’t just about leftover balances,” Lewis-Parks said. “It’s a deeper signal of how many families are entering the holidays already behind, stressed and making…

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Consolidated Credit Press Center

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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Community Outreach Manager Leads Workshop for MOMS Program Through Memorial Healthcare System

October 30, 2025

Ft. Lauderdale, FL – October 30, 2025 – Consolidated Credit Community Outreach Manager, Giovanna Gilliotti, led a workshop for members of the Memorial Healthcare System, M…

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