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
10.2M

More than 10.2 million people helped in 30 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

Yerie K. got help with $13,607 in CA10 minutes ago
Angela V. got help with $25,000 in PA11 minutes ago
Patrick I. got help with $45,000 in HI24 minutes ago
Tracy K. got help with $10,000 in WI34 minutes ago
Emani M. got help with $10,000 in FL36 minutes ago
Danela A. got help with $7,500 in GA40 minutes ago
Zach L. got help with $14,000 in NY42 minutes ago
Adam L. got help with $25,000 in OH42 minutes ago
Abbey M. got help with $20,000 in AL45 minutes ago
Russell H. got help with $7,500 in TX1 hour ago
Luis D. got help with $9,999 in IL1 hour ago
Katharine B. got help with $7,500 in TX1 hour ago
Armand H. got help with $9,999 in NY1 hour ago
Bryan D. got help with $59,999 in WV1 hour ago
Jason M. got help with $9,999 in MI1 hour ago
Dori M. got help with $40,000 in FL1 hour ago
Larry S. got help with $59,999 in NV1 hour ago
Kaitlyn S. got help with $20,000 in KS1 hour ago
Ludmila T. got help with $7,500 in TX1 hour ago
Mehrbod M. got help with $9,999 in NY1 hour 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

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

PEGGY R.

5 stars

I have always had a...

I have always had a great experience because you gave me peace.

Ana Gonzalez

5 stars

Nice

Everyone was nice and helpful

VIRGINIA C.

5 stars

Payment on time

Payment on time

LUCRETIA C.

5 stars

Great great threat

Great great threat

VANESA R.

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...

DONNA L.

5 stars

Program is straight...

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

STEPHANIE B.

4 stars

Great job for helping me

Great job for helping me

JOSE S.

5 stars

Very pleased with the...

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

LATORIA C.

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...

JENNIFER P.

5 stars

Very efficient...

Very efficient professional and helpful

SHARON W.

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

Recent News Articles

Valentine’s Day Spending 2024

Updated

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

Data Privacy Day: A Reminder to Protect Your Personal Data

Updated

Sunday, January 28th, 2024 is Data Privacy Day, an annual international event created to raise awareness about online privacy and…

Read full article 4-minutes read

Set the Right Plan to Pay Off Holiday Debt

Updated

How to start the New Year on the right financial foot. It’s all too easy to overspend during the holidays.…

Read full article 3-minutes read

Kickstart Your New Year’s Money Resolutions!

Updated

If you’re like most people, this time of year probably has you considering your New Year’s resolutions. One of the…

Read full article 8-minutes read