Start here Give us a call
Talk to a Non-Profit Financial Counselor

Call NFCC at
800.388.2227

Get a plan to be debt-free!

Nonprofit financial counseling helps provide a plan
to pay off your debt.

Talk to a counselor today!

If you are struggling and looking for a way to get your finances back on track, you’re not alone! Each year more than a million of Americans get help from an NFCC certified financial counselor to build a plan to pay off their debt!

Want to buy a house?

Our Envisioning Homeownership program can help!

Take the first step to being mortgage ready.

If being a homeowner is your goal, we’ve got the program for you! The Envisioning Homeownership Program was created to help you achieve your dream.

Pay off your debt in 24-60 months!

NFCC can help you with a plan.

Talk to a nonprofit counselor today!

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.

Buy a home!

Your goals are within reach!

LEARN ABOUT ENVISIONING HOMEOWNERSHIP

If being a homeowner is your goal, we’ve got the program for you! The NFCC Envisioning Homeownership program was created to help you achieve your dream of successful, stress-free, long-term homeownership.

Nonprofit debt management is the smart choice for paying off your debt!

Nonprofit Debt Management Plan DMP
  • Can improve credit health
  • Lowers interest rates
  • Stops creditor calls
  • One easy monthly payment
  • No Tax or legal concerns [3]
  • Provides financial education for long-term success
  • Offers affordable solutions
For-profit Debt Settlement Debt Settlement
  • Can improve credit health [1]
  • Lowers interest rates
  • Stops creditor calls
  • One easy monthly payment
  • No Tax or legal concerns
  • Provides financial education for long-term success
  • Offers affordable solutions [2]
Bankruptcy
  • Can improve credit health
  • Lowers interest rates
  • Stops creditor calls
  • One easy monthly payment
  • No Tax or legal concerns
  • Provides financial education for long-term success
  • Offers affordable solutions
Learn more about debt management plans

Check out the latest “What’s Working in Washington” podcast featuring the NFCC, The Real Consumer Debt Issue!

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

Who we help

A middle-aged Asian couple smile as they go over their credit adviser's debt advice on their tablet

People with debt

Senior Couple Walking Dog Along Suburban Street after receiving first time home buyer counseling

First-time Homebuyers

Student Loan Debt Counseling Graduation

Student Loan Borrowers

Military members at a ceremony

Military and Veterans

Two middle-aged people smiling as they look over debt advice from a credit adviser

Small Business Owners

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.

Young credit advisers giving debt advice

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
A middle-aged Asian couple smile as they look at their tablet together

Receive NFCC’s Money Tips Monthly

Be in the know with a free subscription to our monthly newsletter. With money saving tips you can put into action now, it’ll keep you moving toward your financial goals.

Subscribe here

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.

Graduation

New Job

New Car

Wedding

Homeownership

New Baby

Divorce

Retirement

Death of a Spouse

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

3,140,189

*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.

See more testimonials

Stay in the know

Register to receive our monthly newsletter for smart money management tips and to be alerted when we post new content to our blog.