When debt is the problem, we are the solution.
Our goal is to help you become debt free, tell us how much you owe.
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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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.
Listen to real stories of transformation
We’ve helped over 10 million people, and we may be able to help you too. Hear how we have helped people national-wide get on the road to financial success.
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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.
Our Mission
Our mission is to empower families across the United States, Puerto Rico, and the Virgin Islands to overcome financial crises and build long-term financial stability through trusted education and professional counseling. As one of the nation’s largest and longest-standing nonprofit credit counseling organizations, we are committed to helping people navigate credit challenges, regain control of their finances, and move forward with confidence.
Our Story
More than 10.2 million people helped in 30 years
At the heart of our success lies our clients. From coast to coast, Consolidated Credit has helped more than 10 million people find a better way out of debt. Through debt management programs that lower interest and simplify repayment, families across the U.S. are paying off debt faster while protecting their credit. Explore real help for real people nationwide.
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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