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Get debt relief now!

Talk to a counselor!

Trusted nonprofit debt relief is here for you. Whatever your situation, we'll work with you to get relief from the financial stress you're living with. Then, we'll set you on a path to improving your credit and debt management skills so you can live a financially fit life.

A Debt Management Plan is the smart choice for paying off your debt!


Can help improve credit score

Lowers interest rates

Helps you pay everything you owe

One monthly payment

Comprehensive counseling and education provided

Provides a structured payment plan

How it works

When you decide to schedule a session, you’ll have a one-on-one conversation with an NFCC Certified Credit Counselor. It is easy to set up and personalized to your situation. Curious before you call?

See what to expect

Get out of debt with our help!

We provide you with options for getting your money life in shape so you can stay on track and achieve your money goals.

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One-on-One financial coaching

It’s quick and easy to schedule a phone appointment with an NFCC Certified Financial Counselor.

Find a Financial Coach Now
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Online Resources

Ask our automated, online counselor, Penny for help finding articles, links, calculators and more for immediate answers. Improve your money smarts at your own pace, now.

What does financially fit mean?

You can pay bills on time

Being able to pay expenses on time, each month, avoiding penalties and minimizing interest charges.

Learn How

You're building your savings

Routinely adding to your savings so there is money available for emergencies and retirement.

Learn How

You're able to plan for your future

Knowing what you spend and how much you need to save, minimizing surprises, yet being ready for them, when they occur.

Learn how

Answers…throughout your life

We offer more than a one-and-done service. NFCC and our member agencies are here for you at every stage of your money life with ready answers, guidance you can follow, and a path to a better life.

Which debt repayment method is right for you?

When it comes to repaying debt, you have several options. Our latest report discusses the pros and cons of each so you can choose the right one for your circumstances.

Request your copy now

Number of people who worked with an NFCC Financial Advocate to get financially fit


*Total clients served from Q1 2016 – Q4 2018.

Jonelle B.

Jonelle B.

I talked to several credit management companies who made me feel like a statistic, not a human being. Take Charge America, an NFCC member, was interested in ME! That made me feel safe, encouraged and respected.

Francine S.

Francine S.

My financial coach gave me the confidence and skills to buy a new home.

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