Start 2026 with Real Counselors that Help With Debt & Housing

Trusted nonprofit housing and debt relief counseling since 1974, our certified counselors listen, explain your options, and help you create a personalized plan. Whether you’re buying a home, managing debt, or rebuilding credit, our trusted counselors will help you find the best path forward.

Schedule Your Appointment
Reverse Mortgage
Housing
Debt
Credit
Rental
Learn How Reverse Mortgages Work Before Starting the Process
Learn About Reverse Mortgage
Senior woman on the phone, gaining clarity and planning with her laptop and notebook to secure a comfortable retirement.
Begin Required Reverse Mortgage Counseling
Schedule Reverse Mortgage Appointment (HECM)
Schedule Reverse Mortgage Appointment (Non-HECM)
Senior couple engaged in reverse mortgage counseling while using a tablet together.
Get Help If You’re Behind
on a Reverse Mortgage
Schedule Mortgage Default Appointment
Understand Home Mortgage Terms Before You Buy
Schedule Pre-Purchase Appointment
Get Foreclosure Assistance to Protect Your Home
Schedule Foreclosure Help Appointment
Rebuild and Recover Financially After a Disaster
Schedule Disaster Recovery Appointment
Get Relief From High Debt and Financial Stress
Schedule Debt Relief Appointment
Create a Manageable Plan to Pay Down What You Owe
Schedule Debt Management Appointment
Learn About Your Bankruptcy Options
Schedule Bankruptcy Appointment
Understand Credit Cards and Reduce Your Debt
Schedule Credit Appointment
Build Strong Credit to
Get Better Rates
Schedule Credit Score Appointment
Uncover Credit Issues and Improve Your Report
Schedule Credit Report Appointment
Qualify for Today’s Rental Market With Confidence
Schedule Rental Readiness Appointment
Get Help When Rent Is
No Longer Affordable
Schedule Rental Help Appointment
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Debt Relief and Housing Stability in 3 Easy Steps

  • Schedule Your Free Session
    We’ll sit down together and talk through where you are today and what’s been on your mind, no pressure, just a chance to share your goals and challenges.
  • Get Your Personalized Plan
    We’ll turn what we learned in your session into a simple, personalized plan that fits your life, so you know exactly what steps to take next and feel confident moving forward.
  • Reach Your Goals
    This is where it all comes together, you’ll put your plan into action, see progress, and take steps toward what matters most, whether that’s paying down debt, improving credit, or finally feeling secure in your future.
Schedule Your Appointment

Guiding Families Toward Financial Freedom Since 1974

⭐ $2.2 Billion in Homeowner Support Delivered as a Partner

⭐ +5.2 Million Client Counseling Sessions Completed

⭐ +87,000 Online Education Participants

Schedule Your Appointment
800-431-8695
Find the Tools You Need to Feel Financially Secure.

Explore courses, live webinars, and tools made to guide you through budgeting, debt relief, home buying, and much more. Tap a section to find what you need to succeed.

FIT Academy
Learn at your own pace with structured lessons on debt, credit, mortgage readiness, homeownership, budgeting, and foreclosure prevention.
‍Explore courses that move you closer to your goals.
Live Classes
Join interactive in-person or online classes with experts simplifying credit, debt, and housing topics.
‍
‍Join a class to start gaining clarity and confidence.
Calculators
Access practical tools to budget wisely, manage debt, and plan for milestones like homeownership or retirement.
‍Explore calculators that meet your needs.

Our Network of National and Community Partners

We’ve highlighted just a few of our partners below. Tap any logo to learn more, or click the button below to view the full list of all our partners.
Learn about eHomeAmerica, a Credit.org partner Learn about U.S. Bank, a Credit.org partner Learn about Federal Home Loan Bank of Atlanta, a Credit.org partnerLearn about Wells Fargo, a Credit.org partner Learn about Balance Financial Wellness, a Credit.org partner
View Partnerships
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Jo Anne P.
09/29/2025
"My counselor, Deborah, guided me through the reverse mortgage counseling process with professionalism and care. She was clearly experienced and answered all of my questions, even the ones I didn’t know I had. The session was very informative and helpful. I don’t see anything that needs improvement in your process, and I’d absolutely recommend Credit.org’s services to others."

Testimonials

Real experiences from people who trusted Credit.org for debt relief, housing support, and financial guidance.

Read Testimonials

Financial Wellness That
Transforms the Workplace

When employees gain clarity around money, productivity rises and workplaces thrive. Learn more about how financial wellness events can strengthen your workforce today.

Connect with us to get your event underway.

800-431-8695

Financial wellness event ►