Debt counseling
Work through debt step by step with a certified counselor who listens first.
National Foundation for Credit Counseling
Trusted financial help is available now.
Talk with a certified nonprofit counselor who listens first and helps you make a practical plan for debt, budgeting, or housing concerns.
- Debt counseling
- Budget planning
- Housing guidance
NFCC trust signals
- Certified Counselors
- NFCC Certification
- Nonprofit Status
- EIN 53-0132493
How it works
Three simple steps help you move from financial stress to clear, practical action.
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Step 1
Tell us where you are
Start with your ZIP code so we can help you find counseling support near you.
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Step 2
Review your options
See nearby member agencies and choose the support that fits your needs.
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Step 3
Reach out for help
Contact a counselor directly and take the next step with confidence.
How we help
Practical support for everyday financial stress
Choose the kind of guidance you need most, then connect with a trusted nonprofit counselor.
Budget guidance
Build a realistic monthly plan that helps your money cover what matters most.
Housing support
Get housing-focused counseling for rent, mortgage, and stability concerns.
Financial education
Learn clear money skills you can use right away at home and over time.
Expanded services to support your financial stability
Explore the full range of nonprofit counseling support available, with practical guidance you can use right away.
Debt counseling
Work through debt step by step with a certified counselor who listens first.
Budget management
Build a realistic monthly plan that helps your money cover what matters most.
Credit education
Understand credit reports, scores, and practical habits that support long-term financial health.
Mortgage assistance
Get guidance for housing questions, homeownership concerns, and mortgage-related stress.
Bankruptcy counseling
Talk through options and next steps with calm, plain-English support.
Financial planning
Create a clearer path toward stability, priorities, and future goals.
Impact highlights
Certified Counselors
Guidance from trained nonprofit professionals.
Multiple Help Pathways
Support for debt, budgeting, housing, and financial stress.
Practical Education
Actionable tools and learning for everyday money decisions.
National Nonprofit Network
Coordinated support across communities nationwide.
Client Outcomes
Real progress, one clear step at a time
These voices reflect what people often tell us after speaking with a certified counselor: less confusion, less pressure, and a plan they can actually follow.
“Before this, I was paying whatever bill felt most urgent. My counselor helped me sort it out, and now I know what gets paid first.”
Maria L.
Client
“I was nervous I’d be judged, but it felt like talking to someone in my corner. We made a budget I could stick to this month.”
James R.
Community member
“I came in stressed about rent and utility bills. I left with a simple timeline and next steps I could start that same week.”
Tanya P.
Client
Our mission
Nonprofit financial guidance, built for real life.
We connect people to certified counselors through a national nonprofit network focused on practical support, stability, and dignity.
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Certified, trusted counselors
Support is delivered by trained professionals who follow nonprofit service standards.
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Clear next steps, not pressure
You receive practical options you can act on right away, at your pace.
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Guidance shaped to your situation
Counseling for debt, budgets, housing, and financial stress starts with your goals.
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A national network with local access
Wherever you are, we help connect you to nearby nonprofit counseling support.
Latest resources
Practical help you can explore right now
If you are not ready to speak with a counselor yet, start with clear tools and guidance built to help you take the next step with confidence.
Resource
Explore now
Articles
Plain-English reads on debt, budgeting, and financial stress.
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Guides
Step-by-step help for planning, preparation, and next actions.
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Calculators
Simple tools to help visitors understand payments, budgets, and options.
Need trusted financial guidance today?
Our certified nonprofit counselors are ready to help you take the next step with confidence.