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.

Happy father with daughter having fun
Umbrella Icon

A trusted resource since 1951

Unites States

1,500+ NFCC certified credit counselors

Chat Icon

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

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 […]

Americans Not Paying Bills on Time — and Why That’s Bad

Paying your bills on time can save you money and stress. When you pay a bill by the monthly due date, you avoid late payment fees, penalty interest rates, potential damage to your credit scores and more.  Yet, many Americans struggle to get their bills paid on time. In a 2024 survey, 37% of adults […]

Dealing With Negative Credit Report Information

Negative information doesn’t stay on your credit reports forever. Thanks to the Fair Credit Reporting Act (FCRA) most negative information must be removed from your reports after seven years, and hard inquiries are removed after just two. But for someone who wants to improve their credit scores, waiting for years can seem impossible and even […]

Involving Kids in Family Vacation Planning

Travel can be a great opportunity for learning. If you want to make your upcoming trip an even more engaging and educational experience for the whole family, ask your kids to help research and make the arrangements. When they contribute in this way, children can learn new lessons about money and choices. For example, they […]

chevron_right Read the NFCC Blog

Creating a plan today for a brighter tomorrow.

Creating a plan today for a brighter tomorrow.

Quote Icon

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
Quote Icon
Happy mom and daughter

Better financial futures for all.

Ready to get started? We’re here to help. Fill out the form below to connect with us.

Ready to connect or learn more about us?

Call us at 800-388-2227