Nonprofit
Military & Veteran
Certified
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
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No Obligation
No Pressure
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Explore military financial 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.
Yes. There is no charge for your debt management or housing counseling session. Credit.org is a nonprofit organization committed to serving those who have served our country.
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Yes. Our HUD-certified housing counselors walk veterans through the VA loan process, backed by the Department of Veterans Affairs, from eligibility and pre-approval to closing. Most VA loans require $0 down and no private mortgage insurance, and the funding fee is often waived entirely for veterans with a service-connected disability rating. Your counselor can help you confirm what applies to you.
Yes. We offer phone and virtual counseling sessions that fit military schedules, including evenings and weekends. We understand the demands of service and make it easy to get help from anywhere.
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No. Seeking financial counseling is viewed positively and shows financial responsibility. We maintain strict confidentiality, and your session information is never shared without your consent.
Yes. The SCRA caps interest at 6% on most debts you took out before entering active duty, credit cards, auto loans, older student loans, even a mortgage, once you submit your orders to the lender in writing. Your counselor can help you figure out which of your debts qualify and walk you through requesting the reduction.
Your counselor builds your plan around your actual situation, including budgeting around disability income, understanding adaptive housing grants, and, if you're working toward a VA loan, confirming whether your disability rating waives the funding fee.
Either, or both, depending on what you need. Military OneSource offers free financial counseling to active duty, Guard and Reserve members, and their families for military-specific topics like pay, PCS budgeting, and deployment planning. Credit.org focuses on credit counseling, debt management, and home buyer readiness, including VA loans, and we work with veterans and transitioning service members in ways Military OneSource doesn't always cover once you've separated. A lot of people end up using both at different points.
Private & Confidential
Educational Guidance
HUD-Approved Agency
No Sales Pressure
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