Understanding Credit Card Debt

Credit cards weighing you down?

NFCC-certified counselors can help:

Stop collection calls
Prevent additional late fees and interest
Negotiate with multiple creditors simultaneously
Improve your credit
Determine if a Debt Management Plan is right for you

Connect with a counselor today!

Or call 833-674-1921

(Low or no cost. No obligation.)

As featured on:

Trusted by over 35 million clients since 2006.

70+ Years of Nonprofit Service

Have Met Highest Industry Standards

No Hidden Fees

Personalized Plans That Actually Work

Expert financial guidance, just a click away.

You’re not alone.

A Debt Management Plan (DMP) can simplify your payments, lower interest, and help you take back control.

What is credit card debt, and why is it considered unsecured?

How do people typically accumulate credit card debt?

How can the NFCC help with managing credit card debt?

What is a Debt Management Plan (DMP), and is it right for me?

We’re here to answer your questions

How it works.

Connect with an NFCC-certified credit counselor for a confidential consultation
Participate in a one-on-one review of your financial goals and budget
Create a personalized financial action plan

Connect with a counselor

How you benefit.

A Debt Management Plan is one of the most effective tools available through nonprofit credit counselors, and is a safer, less costly way to pay down debt. Why risk your financial future?

Stop collection calls
Lower interest rates
One monthly payment
No hidden fees
Affordable solutions
Improve financial health

Connect with a counselor

Why others trust NFCC with their debt.

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

Client, Money Management International

Start Paying Off Your Debt Today!

Ready to get started? We’re here to help. Please fill out the form below.

NFCC Locator Form

"*" indicates required fields

I'm ready to schedule a financial review for:*

Name*

Zip*

Email*

Phone*

Preferred Language*

Checkbox*

The NFCC and its member agencies may contact me by phone, email or text.

We take your privacy seriously. By clicking on the “Get Connected” button below, you consent, acknowledge, and agree to the National Foundation for Credit Counseling© (NFCC©) Terms of Use and Privacy Policy, as well as the terms of use and privacy policies of any NFCC Member Agencies or third parties that may contact you following your submission of this form. Moreover, you agree that NFCC may share your information with NFCC Member Agencies to provide you with counseling and education or other third parties to provide additional services. You further agree that you are providing express “written” consent for NFCC and NFCC Member Agencies or third parties to call you (including autodialing, texting and pre-recorded messaging for convenience) via telephone and mobile device (including SMS and MMS communications - charges may apply depending on your carrier; messaging frequency varies), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. You agree that opt-out and unsubscribe options and instructions will be the responsibility of the entity directly sending you communications, which may be a NFCC Member Agency or a third party. You further agree that NFCC is not responsible for and will not be liable for communications it does not send to you directly. You agree to receive electronic communications, including periodic emails, with important news, financial tips, tools and more. Consent is not required as a condition to utilize NFCC’s services and you are under no obligation to purchase anything.

This field is for validation purposes and should be left unchanged.