Nonprofit
DMP
Certified
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
.webp)
.webp)
.svg){kind=icon}
.webp)
.svg){kind=icon}
.webp)
.svg){kind=icon}
.svg)
.svg)
.svg)
.svg)
.svg)
No Obligation
No Pressure
.svg)
.svg)
.svg)
.svg)
Explore practical tools and resources to help you manage debt, track your progress, and build healthier financial habits.
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.
.svg)
A DMP is a structured plan that lowers interest rates and combines bills into one monthly payment, no new loan required.
.svg)
A DMP itself doesn't directly impact your score, but creditors may report reduced payments. Over time, repaying debt in full can improve your credit health overall.
.svg)
No. All eligible unsecured debts must be included and treated equally to ensure fair repayment terms and full creditor participation in the program.
.svg)
No. All credit lines must be closed. Rare exceptions may apply for one business card. After completing your plan, creditors often welcome you back.
Most Debt Management Plans take 3 to 5 years to complete, depending on your total unsecured debt and your monthly budget. Your certified counselor will map out a realistic timeline and set monthly payment goals so you always know exactly where you stand.
.svg)
There is no charge for your debt management counseling session, it is completely free. If you enroll in a DMP, any administrative fees are typically kept low or waived, and your first monthly payment goes directly to your creditors within the first month.
Private & confidential
Educational guidance
HUD-approved agency
No sales pressure
.svg){kind=icon}
.svg){kind=icon}