Get connected with a counselor today!

Debt is real and it isn’t forever.

The bills are piling up, but you have choices. Regain control of your finances and connect with a nonprofit, certified credit counselor.

Or call 800-388-2227 for support.

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A trusted resource since 1951

Unites States

1,500+ NFCC certified credit counselors

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35 million served since 2006

How it works.

Whether it’s paying down credit card debt, managing a household budget, or preparing to purchase a home, NFCC-certified credit counselors are ready to help you with a personalized action plan and resources regardless of your income or financial status.

  1. Connect with an NFCC-certified credit counselor for a confidential consultation
  2. Participate in a one-on-one review of your financial goals and budget
  3. Create a personalized financial action plan

Clear Benefits.

  • Stop collection calls
  • Lower interest rates
  • One monthly payment
  • No hidden fees
  • Affordable solutions
  • Improved financial health

Beyond our credentials and decades of service as a nonprofit financial counseling organization, our Member Agencies offer tools and guidance to help you realize your financial goals. A Debt Management Plan is one of the most effective tools available through nonprofit credit counselors, and is a safer, less costly way to pay down debt. Why risk your financial future?

NFCC Blog

Debt and the Deceased: How Should Spouses and Heirs Proceed?

When a spouse passes away, it’s normal to be left with questions about the future of your finances. For example, will you inherit their debt? Are you responsible for paying off joint accounts? These are common questions for surviving loved ones. Proper estate planning can help you resolve these questions beforehand, and it can also […]

Why Rent-to-Own is the Wrong Choice for You

There are a lot of times when renting makes sense. When you fly into a new city and you have a lot of traveling to do, you rent a car. When you’re on vacation and want to explore a beautiful little seaside town, you rent a bike. It makes perfect sense to rent when you […]

Using Your Tax Refund to Pay Down Debt

After you file your taxes, you might have another big milestone to check off of your financial “to do” list this year. What milestone am I referring to? Paying off debt! If you’re due a tax refund, you might be tempted to use the money on a trip or a fun purchase, but the refund […]

Pros & Cons to Paying Off Credit Card Debt

It goes without saying that there are great reasons to pay off your credit card debt. But are there ever good reasons not to pay? The answer is a little more complicated than you would think. When it comes to dealing with your open credit card debts, paying off the full balance is usually the […]

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Creating a plan today for a brighter tomorrow.

Creating a plan today for a brighter tomorrow.

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Your work and business vision have changed the trajectory of my life. You’ve impacted my legacy, how I walk, how I talk, how I live, parent and love. I am different. I am free.

Johnika Dreher
Client, NFCC Member Agency Money Management International

We realized that we had more expenses than income. My counselor helped me prioritize my expenses and informed me of options to handle my debt. She provided suggestions on how to balance our budget.

LeAnne
Apprisen Client

My daughter referred me! This program will help me pay off the debt faster and free up some money to start putting toward my retirement fund.

Deborah
InCharge Debt Solutions Client

I am only in the beginning stages but, so far, everything in my “plan” to financial stability seems to be going smoothly. I feel more prepared to handle my financial situation.

Jennifer
GreenPath Financial Wellness Client
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Better financial futures for all.

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Ready to connect or learn more about us?

Call us at 800-388-2227