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NFCC Member Services

  • Credit/Debt Counseling
  • Bankruptcy Counseling
  • Housing Counseling
  • Reverse Mortgage Counseling
  • Student Loan Counseling
  • Debt Management Plans
  • Credit Report Reviews
  • Financial Education
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NFCC Personal Finance Survey

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NFCC Newsfeed

    NFCC Member Services

    Credit/Debt Counseling

    Get free and affordable help from an NFCC Certified Consumer Credit Counselor who will assist you in determining the best options to meet your individual needs. NFCC Certified Consumer Credit Counselors will advise you on managing your money, offer solutions to your current financial problems, and develop a personalized plan to help prevent future difficulties.

    Bankruptcy Counseling

    For most individuals, whether they should file for bankruptcy is one of the most serious financial decisions they can make. Consequently, that decision should be made only after knowing what the bankruptcy process entails, the consequences of filing for bankruptcy, and the available alternatives to filing for bankruptcy. The pre-filing counseling session will enable consumers to fully understand the potential advantages, disadvantages of, and alternatives to, declaring bankruptcy before taking action.

    Housing Counseling

    For many, owning a home is the American dream. If homeownership is your dream too it can be a reality, but not without realistic goals, sound advice, careful planning, and a clear understanding of the costs involved.

    Reverse Mortgage Counseling

    While many seniors would prefer to stay in their homes, they too often find it hard to cover everyday expenses, especially when those costs include some kind of medical condition. For some, using home equity to pay for these and other expenses is a viable option. In the current environment, reverse mortgages are also increasingly being used as a way for seniors to refinance their homes and avoid foreclosure.

    Student Loan Debt Counseling

    While federal student aid allows Americans to pursue higher education and further their professional and social lives, millions are struggling with student loan debt. A close examination of the marketplace reveals that many borrowers are struggling to repay their debt, with potentially disastrous consequences for themselves. The average amount of debt that students carry at graduation is now just over $27,000.

    Debt Management Plans

    If you have severe debt you may be eligible to enroll in a Debt Management Plan (DMP). A DMP is a systematic way to pay down your outstanding debt through monthly deposits made to your credit counseling agency which will then distribute these funds to your creditors. By participating in this program you may benefit from reduced or waived finance charges, and fewer collection calls. When you have completed your payments NFCC member agencies will help you reestablish credit.

    Credit Report Reviews

    Managing credit is a challenge that we all face. No matter what level of income you earn, handling credit is a necessary skill. Anyone who has ever been denied credit understands how the lack of credit affects financial options and everyday life. Your credit report and credit score can affect your ability to purchase a home, rent an apartment, buy or lease a vehicle, find good insurance rates, or even acquire a new job. The first step to stabilize your credit is reviewing your credit report.

    Financial Education

    The NFCC and its member agencies have developed and delivered financial education programs to millions of consumers for more than 60 years. Whether you decide to participate in financial education sessions with NFCC Educators, or schedule an individual appointment with an NFCC Certified Consumer Credit Counselor, you can learn the skills to gain control of your financial future.

    Testimonials next prev

    • Carole Caroll - New York

      "It's a learning process. I needed to feel like I was going to solve my problem. It has given me my smile back. I value that more than gold."
    • Francine Bostic - Kansas

      "Finally, … I called. It was probably the greatest thing I ever did. Once we met with our counselor, I felt like a huge weight had been lifted."
    • Kandy Hildebrandt - Wisconsin

      "Realize you need to get help. Be willing to get the help you need and then do what they say."
    • Wendell Ramage - Georgia

      "Credit cards are not evil. It was my irresponsibility; I did it to myself. I just wish we had known about Credit Counseling Services earlier than we did."
    • Jerry Bailey - Michigan

      "The counselor's aim was to really help us participate in a program that would get us out of debt over time. Don't wait. This saved our lives financially. It gave us our lives back."
    • Barbara Vinson - Georgia

      "The best thing I did was to go to CCCS, and get them to set me up to pay off my debts."
    • Linda Burton - Arkansas

      "I needed someone to help me get through the tangle. The biggest problem I faced was the uncertainty about how the process was supposed to work. My counselor helped me deal with all of this."
    • Hope Unverzagt - Wisconsin

      "Our marriage is stronger, and the only debt we have is our mortgage. We are so thankful for the part CCCS, an NFCC member agency, has played in bringing us to this place in our lives."

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    • CNN
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    • USA Today