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Debt is real and it isn’t forever.

You have choices. Regain control of your finances and connect with a nonprofit, certified credit counselor.

Or call 800-388-2227 for support.

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A trusted resource since 1951

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1,200+ NFCC certified credit counselors

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35 million served since 2006

Photo credit: Tinnetta Bell

Who we help.

A trusted source, NFCC Member Agencies are here for you.

Everyone. Debt doesn’t discriminate. We make it our mission to help all types of people who want a more secure financial future. You are not alone in your journey—we are here to help pave the way.

How it works.

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 our decades of service as a nonprofit financial counseling organization, what we offer is hope. It’s the kind of hope that allows you to envision a bright financial future that is achievable and sustainable.

Get Help With:

Managing Debt

Budgeting Assistance

Getting Mortgage Ready

Avoiding Foreclosure Eviction

NFCC Blog

Military Consumer Month: 5 Unique Financial Challenges Military Households Face

As we celebrate Military Consumer Month, it’s important to recognize that the sacrifices made by service members and their families extend beyond the battlefield. A recent study by the National Foundation for Credit Counseling (NFCC) reveals the unique financial challenges military households face. While their dedication is unwavering, their financial realities can be surprisingly strained. Here’s what you need […]

Are Store Credit Cards Bad For Your Credit?

If you shop at major retail stores, you’ve probably been offered a store credit card at some point. The sales pitch for these cards usually happens at the register or online checkout, and it includes a promise of an instant discount on your purchase, with big savings in the future.  Unfortunately, most store credit cards […]

My credit reports have an error in them. What should I do?

Your credit reports are supposed to be an accurate record of your history with debt. But sometimes they’re simply not accurate. In fact, it’s estimated that around 25% of all reports have errors in them. When you review your credit reports, you might find errors big or small. Perhaps your name is misspelled, certain dates […]

What is the best way to pay off debt? Debt Avalanche vs. Debt Snowball

When you set your mind on a goal, you want to achieve it in the best way possible. But what does “best” mean, exactly? Sometimes it depends on the person.  For example, let’s say you’re training for a marathon. Naturally, your goal is to finish the race — and it’s an impressive feat to run […]

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Creating a plan today for a brighter tomorrow.

Creating a plan today for a brighter tomorrow.

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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
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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