Get started on the path to financial freedom.
We are the National Foundation for Credit Counseling—a nonprofit network of certified credit counseling agencies trusted by Capital One to help you take the next steps towards debt reduction and financial stability.
Curious about the process? Review our FAQs or watch the short video below.
Getting started is easy. Just call the number below or fill out the online form to connect with one of our Member Agencies.
How it works.
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Perform a confidential consultation with the NFCC and review your unique financial situation.
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Get a personalized action plan at low to no cost.
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See if you qualify for a Debt Management Plan that could reduce your monthly payment.
Frequently Asked Questions
What will it cost me?
As a nonprofit the majority of these services are provided at no or low cost to you but cost vary depending on the support for each member and state laws. Learn more.
What are the benefits of credit counseling?
- Stop collection calls
- Consolidate bills into smaller monthly payments
- Lower interest rates regardless of credit score
- Eliminate late fees and over the limit charges
- Pay off your debt faster Improve your money habits
What if I have multiple credit cards from different creditors?
We take a holistic approach and look at your entire financial situation to help you achieve relief from all your creditors.
What is the NFCC?
We’re not only the largest and longest-serving nonprofit financial counseling organization in the United States but our Certified Consumer Credit Counselors are experts who tailor confidential programs to meet your specific needs. They will help you understand your situation so you can get on the road to financial freedom.
Learn more.
Will you settle my debt?
No, we do not offer debt settlement services but we do offer personalized debt relief solutions that lower your monthly payment and minimize the adverse affects to your credit profile.
Learn more.
Are you part of my bank?
No, each member agency employs independently Certified Consumer Credit Counselors who evaluate your overall financial situation. Creditors will work with us—and, through the agency, with you.
Complete the form below to be connected with a non profit counselor.
A trusted resource since 1951
1,200+ NFCC certified credit counselors
