Tools and Tips

Knowledge First

The NFCC and its partners are committed to helping you succeed on your journey toward financial health. Designed to complement the credit counseling experience, our partners provide valuable information and tools to help you meet your goals.

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Online Resources

Can you save with a DMP?

Click here to better understand how a nonprofit credit counselor can put you on a path to paying down your debt.

See if you can save.

NFCC-Certified Online Courses

Education is key to the NFCC’s mission to help all Americans manage debt. Boost your knowledge through our online courses.

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Improve Your
Credit Score

Timely bill payments are important to building financial health. Learn how to build credit as you work with your counselor.

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Create an Intelligent Budget

Many people don’t know how much they spent last month. Better understand your financial situation as you engage in counseling.

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Keys to Homeownership

NFCC-certified credit counselors can help you understand the process of purchasing a home. No two home-buying journeys look exactly the same, and the path is rarely a straight line. The whole process can be simplified if you break it down–understanding how to create a household budget that may better position you to qualify for a mortgage.

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NFCC Partner Blog

What to Do After a Natural Disaster: A Financial Recovery Checklist

CIt’s never pleasant to think about this, but a natural disaster can strike at any time. Think about it: in 2025, FEMA declared 115 disasters, including the Los Angeles wildfires and the Texas flash floods. From hurricanes to earthquakes, we often put off thinking about these events until we’re in imminent danger. But when a […]

What steps should I take to prepare as a first-time homebuyer? A Step-by-Step Guide

The NFCC often receives questions from readers about their money challenges. We answer common questions in our Ask an Expert series to help readers find the information they need. Question: What steps should I take to prepare as a first-time homebuyer? Answer: Dear Reader, The prospect of becoming a homeowner is very exciting. It’s also […]

3 Important Things to Know About Your Credit Card

Over the last few decades, the convenience of credit cards has made them a popular alternative to cash. But what you may not realize about credit cards is that using them means taking on debt with ultra-high interest rates. For example, in late 2025, the average credit card APR was a jaw-dropping 21.39%. By comparison, […]

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About the NFCC

Founded in 1951, the National Foundation for Credit Counseling is the oldest nonprofit dedicated to improving people’s financial well-being. With over 1,500 NFCC Certified Credit Counselors serving all 50 states and U.S. territories, NFCC nonprofit counselors are financial advocates, empowering millions of consumers to take charge of their finances through one-on-one financial reviews that address credit card debt, student loans, housing decisions, and overall money management.