Consolidated Credit: Helping People With Credit Challenges Since 1993

Our team of certified credit counselors and financial coaches is proud of the work we do. We believe people deserve the opportunity to get debt-free in an affordable way. You shouldn’t have to declare bankruptcy because you lost your job, got divorced, or helped your family through tough times they faced.

Those are the reasons that people get into credit card debt. But no matter what the reason, you deserve a realistic way to get out of it!

More than 10.2 million people helped in 28 years

300+ hrs. of live education each year

Over $9.75 billion in debt consolidated

Consolidated Credit is a registered 501(c)3 nonprofit organization that’s been recognized by the Department of Justice to provide counseling services. Nonprofit credit counseling organizations exist to help consumers that have gotten over-extended with credit card debt. The goal is to help each individual develop an affordable and realistic plan to become debt-free.

Consolidated Credit is one of the nation’s oldest and largest nonprofit credit counseling organizations. Our mission is to help individuals and families overcome financial crises through counseling and financial education. And we’ve been helping people for nearly 30 years.

As a nonprofit, we’re not here to push you into any specific solution. We’re here to help you find the best one for you! We’re also here to be your advocate, working with creditors to ensure you can reach your goal of becoming debt-free as quickly and affordably as possible.

One of the core principles of Consolidated Credit’s philosophy is that financial education is critical for people of all ages and in all walks of life. As our president Gary Herman says…

– Gary Herman, President of Consolidated Credit

Gary S. Herman

That’s why we strive to provide free financial education to as many communities and people as possible. We work with other nonprofit organizations, municipal governments, and private partners to provide free financial education programs to underserved communities.

We also work closely with the U.S. Southern Command Army Garrison to provide financial outreach to military Service Members and Veterans. We have received a Certificate of Distinction from the U.S Department of Defense for our outreach and support of those who serve in the Armed Forces.

The more you know and learn about finance, the better you’ll be able to overcome financial challenges and avoid debt. So, whether you decide to work with us to overcome your current challenges with debt or find a different solution, we invite you to take advantage of the free financial education resources we offer.

We have resources in English and Spanish, including:

We also have resources for youth to help kids and teens learn good financial habits, too.
It’s all available online and you can use them for free whether you’re a client or not.

How Much Could You Save?

Just tell us how much you owe, in total, and we’ll estimate your new consolidated monthly payment.

Debt Amount