See How We’ve Helped Over 10 Million People Get Out of Debt
Read real stories of transformation — proof that financial freedom is possible.
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 as little as 36 months
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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.
See How Much You Could Save!
Find out how quickly you can pay off your credit cards—and how much you could save on interest.
Just enter your total debt and tap “See Savings.”
You’ll instantly see your new estimated monthly payment, how soon you could be debt-free, and how much you could save in interest with a Debt Management Program from Consolidated Credit.
Our Mission
Our mission has always been to assist families throughout the United States, Puerto Rico, and Virgin Islands to end financial crises and solve money management issues through education and professional counseling.
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
What our clients say about us
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%.
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More than 10.2 million people helped in 30 years
At the heart of our success lies our clients. We serve clients nationwide, across all 50 states, the U.S. Virgin Islands, Puerto Rico and we are the largest U.S. nonprofit credit counseling agency supporting the Hispanic community. The real story is told through our clients, whose voices reflect the life-changing impact of financial empowerment. Listen to our clients as they share their personal journey and experiences, highlighting the positive changes in their lives.
You Are Not Alone
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.
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