Nonprofit
Debt Relief
Certified
HUD-Approved Housing Counseling Agency
NFCC Member
501(c)(3) Nonprofit
.webp)
.svg){kind=icon}
.webp)
.svg){kind=icon}
.webp)
.svg)
.svg)
.svg)
.svg)
No Obligation
No Pressure
.svg)
.svg)
.svg)
.svg)
.svg)
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.
.svg)
Debt relief includes strategies that may help you manage or reduce the burden of unsecured debt, such as budgeting, repayment plans, debt management plans, consolidation, or other available options. During counseling, a certified counselor will review your situation with you, explain your options, and help you create a practical next step based on your budget and goals.
.svg)
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.
.svg)
Bring your income, monthly expenses, and credit card balances so we can create a personalized action plan together.
.svg)
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.
.svg)
A nonprofit credit counseling agency can help you understand your debt relief options without pressure to choose a specific solution. At Credit.org, a certified financial counselor will review your budget, debts, credit, and financial goals, explain available repayment and debt relief strategies, and help you create a personalized action plan, including a Debt Management Plan when appropriate.
.svg)
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.
Private & confidential
Educational guidance
HUD-approved agency
No sales pressure
.svg){kind=icon}
.svg){kind=icon}