Nonprofit
Debt Relief
Certified
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
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No Obligation
No Pressure
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Starting Point
…here's what happens depending on how you choose to pay it back.
estimated total amount paid
Most Costly
Nearly 3× your original debt — most of it interest.
estimated total amount paid
Months to pay off
30+ years
Interest accrued
extra cost
Total paid
vs $15,000 owed
Better Option
Requires good credit to qualify for favorable terms.
estimated total amount paid
Months to pay off
5 years
Interest accrued
extra cost
Potential savings vs minimum payments
Best Result
The most effective path — lowest total cost, same timeline as a loan.
estimated total amount paid
Months to pay off
5 years
Interest accrued
extra cost
Potential savings vs minimum payments
Explore debt relief tools and resources or connect with a certified counselor for personalized guidance.
Always Free
No Obligation
Confidential
For Educational Guidance
Estimated Available Equity
Estimated Monthly Payment Option
Interest Rate Range
Speak with a certified housing counselor to review your situation, questions, and next steps.
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Debt relief starts with free debt counseling. Our certified counselors help assess your debt and build you a custom plan to put you in control.
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The initial counseling session is free. Credit counseling looks broadly at your credit, budget and overall financial health, while debt counseling places greater emphasis on your debt obligations and repayment options. If a Debt Management Plan is recommended and you choose to enroll, applicable program fees will be fully explained before enrollment.
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Bring your income, monthly expenses, and credit card balances so we can create a personalized action plan together.
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That's okay! You can schedule a time that fits your day or reach out later when you're ready to take the first step.
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Debt relief through counseling focuses on sustainable, nonprofit strategies like debt management plans, budgeting, and creditor negotiation, not risky settlement companies that charge high fees and may damage your credit further.
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The counseling session itself has no impact on your credit. The actions you take afterward, like enrolling in a DMP or paying off debts, can have varying effects. Your counselor explains exactly what to expect before you commit to any plan.
Private & confidential
Educational guidance
HUD-approved agency
No sales pressure
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