Rental Assistance Starts with Lowering Your Credit Card Debt

If you're stuck in the cycle of high-interest credit cards and rising rent, you're not alone. It’s not just what you owe, it’s the sky-high interest rates draining your budget. That pressure can snowball into late rent, fees, credit damage, and constant stress. If eligible, a Debt Management Plan (DMP) can lower your interest rates and monthly payments, helping you pay off debt faster and free up income to stay current on rent.
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Step-by-Step
Rental Counseling Process

Step 1:

Talk With a Real Human Who Gets It

Meet one-on-one with a certified counselor who listens without judgment. We’ll look at your rent, income, and expenses to understand the full picture. You’ll walk away with clarity and a plan to move forward.
Step 2:

Review Your Credit Report Together

We’ll pull your credit report and explain what it actually means line by line. You’ll finally understand how your credit score is impacted, and which steps will move the needle in the right direction.
Step 3:

Break the Debt Cycle With Lower Interest Rates

Here’s where the magic happens. We’ll do a deep dive into your unsecured debt, credit cards, personal loans, store cards. If you qualify, we’ll enroll you into a Debt Management Plan (DMP) where interest rates are already negotiated and drastically lower than what you’re paying now. One monthly payment. No collection calls. Less stress. Faster payoff.
Step 4:

Stabilize Your
Housing Situation

Now that the financial bleeding is under control, we help you protect your home. Whether you’re behind on rent, facing eviction, or just trying to stay ahead - your counselor will help you explore options and build a sustainable housing strategy.

How Rental Counseling Can Transform Your Rental Situation

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Uncover Why Rent Feels
‍Out of Reach Every Month

Rent isn’t your only bill and when loans, credit cards, and utilities pile up, it adds pressure fast. Get help to organize it all and build a realistic plan.

Break the Cycle of DebtDraining Your Income

When your income is stretched thin by monthly debts, it’s easy to fall behind on rent. We work directly with major creditors like Visa and Mastercard to reduce your interest rates through a Debt Management Plan (DMP).This lowers your monthly payments, helps you pay off debt faster, and frees up income so you can stay current on rent.
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Stabilize Your Housing While
Managing Life’s Costs

You shouldn’t have to choose between keeping the lights on or paying rent. We’ll help you balance living expenses so you can stay secure at home.
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See How Renters Like You Found Success

By combining rental readiness counseling with smart financial guidance, we help renters overcome obstacles, boost their confidence, and prepare for long-term housing success.
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LiveEasy

LiveEasy simplifies your entire home journey by letting you compare quotes, access pre-negotiated savings, and set up services like insurance, cable, internet, and home improvement. Enjoy personalized concierge support, all on one seamless platform.
Learn About LiveEasy Program

Rental Counseling FAQ's

Will my session be private and confidential?

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Absolutely. Everything you share is confidential. We create a judgment-free space so you can be open about your challenges without fear or shame.

Can you help if I’ve already received an eviction notice?

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If you're facing an urgent housing crisis, our counselors can walk you through what actions you may still be able to take to stabilize your situation.

Is there any fee for rental counseling?

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No, there is no cost for renal counseling.

Is rental counseling available in Spanish?

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Yes, the counseling is provided in English and Spanish for Rent4Success.
Credit.org is not a loan company. We do not loan / lend money.
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Credit.org is an independent nonprofit financial counseling agency and is not affiliated with any mortgage, lending or servicing provider. The content, links and resources in this site are presented for informational purposes only and should not be construed as legal or tax advice.

Credit.org is not a credit repair company.
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Credit.org does not offer credit repair services. Our focus is on providing educational resources, counseling, and support to help individuals improve their financial health and achieve their homeownership goals. We do not engage in activities that promise to remove or alter negative credit information from credit reports.
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