Credit.org was founded in 1974 with a mission dedicated to strengthening and improving the lives and financial well-being of individuals and families by offering counseling and coaching that promote financial wellness, sustainable housing and a healthy economy. Credit.org receives funding by donations and grants from various sources such as mortgage lenders and servicers, government agencies and other non-profit organizations. Although the majority of our services are free, some counseling requires a nominal fee however such fees may be reduced or waived depending on hardship.

Program Description Fee
Counseling Services
Financial Education, Budgeting and Counseling Sessions
Pre-Purchase Counseling
Foreclosure Prevention Counseling
Default Rental Counseling
FREE
FREE
FREE
FREE
Educational Materials
Road Map to Financial Freedom (book)
The Power of Paycheck Planning (book)
The Wise Use of Credit (book)
Please contact our Education Department for additional free Publications
FREE
FREE
FREE
Bankruptcy Counseling and Certificate
(fees are the same for single or joint counseling)
Pre-Petition Bankruptcy counseling by telephone
Pre-Petition Bankruptcy counseling by internet
Debtor Education course by telephone (first time client)
Debtor Education course by internet (first time client)
Debtor Education course by telephone (returning telephone Pre-Petition Bankruptcy counseling client)
Debtor Education course by internet (returning internet Pre-Petition Bankruptcy counseling client)
Varies
Varies
Varies
Varies
Varies

Varies
Debt Management Plan (DMP)
Enrollment (one-time setup fee)

Monthly Program Administration (monthly fee)
Varies by state
Varies by state
Reverse Mortgage Counseling
Reverse Mortgage counseling and Certificate
Varies
Home Ownership and Equity Protection Act (HOEPA) Counseling
HOEPA Counseling and Certificate
Varies
Student Loan Counseling
Student Loan Counseling
Varies
Homebuyer Education
On-line (Framework®)
On-line (eHome America) - re: state housing finance agency
Online (eHome America) - CALHFA
Live seminar
Varies
Varies
Varies
Varies
Rental Counseling
Rent for Success Counseling and Certificate
Varies
Credit Report Review
Credit Report Review
Varies