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The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.

What We Do

NFCC member agencies provide financial reviews and education to millions of consumers each year in person, over the phone, or online. Every NFCC member agency client receives comprehensive money management services based on their individual needs. NFCC member agencies provide a variety of free and affordable services including:

  • Credit/Debt Counseling
  • Bankruptcy Counseling
  • Housing Counseling
  • Reverse Mortgage Counseling
  • Student Loan Debt Counseling
  • Debt Management Plans
  • Credit Report Reviews
  • Financial Education
  • Additionally, one-third of our members are multi-service agencies specializing in community-based social service programs such as youth mentoring, foster care, and substance abuse programs.

Setting the Standards for Quality Credit Counseling

The NFCC member network consists of community-based office locations in all 50 states and Puerto Rico.

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Accreditation and Certification

COA_Logo_AlteredEvery NFCC member agency is accredited by the Council on Accreditation (COA) to ensure the highest standards are maintained as a nonprofit financial counseling agency. COA is an independent, third party, nonprofit accrediting organization. Every NFCC member agency must be re-accredited by COA every four years.


Certified Consumer Credit Counselors

iStock_000003887491SmallThe NFCC is recognized within the sector, and by creditors for its trademarked Counselor Certification Program. All NFCC certified counselors must be employed by an agency of the NFCC member network, and must complete the NFCC’s comprehensive training program to guarantee their ability to provide quality education and assistance to consumers.