Listing of non-profit credit counseling agencies.

There are numerous credit counseling agencies located across the country. Many of them are non-profit organizations that will charge consumers a minimal fee for the services they offer. Some of the agencies may even offer debt reduction and foreclosure programs for free to qualified individuals. Below you will find a listing of several of the leading agencies as well as information on some of the services they offer, including debt management plans, negotiations, bankruptcy advice, and foreclosure help. Also note that this list of credit counseling organizations is always being added to and is just a sampling.

National credit counseling agencies

The major non-profit credit counseling organization are below. Or scroll down to find a local branch in your state.

GreenPath Debt Solutions - This nationwide agency was started in 1961. They offer a wide variety of solutions to struggling consumers and homeowners. They have programs that will assist consumers with credit card debts, mortgage payments and home loans, medical bills, and bankruptcy filings. The agency can be reached at 1-800-550-1961.

Advantage Credit Counseling Service - This non-profit credit counseling agency offers qualified consumers an effective debt management program. The programs offered by this counseling agency have been shown to assist thousands of people across the nation each and every year with getting out of or reducing their debts. They accomplish this by offering, mostly free of charge, debt management plans, confidential credit counseling, and various education and presentations, such as budgeting skills and advice. The debt management program they administer has been effective in saving consumers millions of dollars over the years by reducing interest rates, getting fees waived, and providing other solutions. They also offer bankruptcy counseling. Dial 866-699-2227.




Vision Credit Education, Inc. - This organization has as its mission the goal of enabling people to solve their financial problems and to provide people with the tools that they need to make good financial choices later in life. So they offer short term debt relief programs, and also longer term assistance to help people become self-sufficient over the long term. 1800-379-4720.

American Consumer Credit Counseling - This agency has almost 20 years of national credit counseling experience. They are also a non-profit organization. Credit counselors will work one on one with clients to offer them access to numerous financial solutions. The programs offered include negotiation with creditors, a debt management plan, budget counseling, information on hardship programs, bankruptcy counseling, housing and foreclosure counseling, and debt settlements. 1-800-769-3571.





Pioneer Credit Counseling - This agency has been in business over 30 years. The credit counseling programs they offer are supported by Christian beliefs. They provide debt reduction and management plans, and counseling to qualified families and individuals across the country. Call them at 866-210-3591.

Money Management International - This non-profit credit counseling agency claims to be the largest full service agency in the United States. They provide assistance over both the internet and the phone. Like many of the other non-profit credit counseling organizations they also offer credit card help, bankruptcy advice, education on guidance, both medical and credit card debt management assistance, and several mortgage and foreclosure counseling programs. Phone 866-889-9347.

InCharge Debt Solutions - This non-profit focuses on both medical and credit card debt. They offer options to help consumers get out of debt. They are also a member of the Association of Independent Consumer Credit Counseling Agencies, as are most of the other agencies listed here. One of the programs they encourage is debt arbitration. Call them at 1-800-565-8953.

ClearPoint Financial Solutions operates in most states. A number of services are available from the not-for profit organization. Assistance is for bankruptcy filing, housing issues such as mortgage delinquency, as well as excessive credit card and medical debts. They also help with student loans. 800.750.2227.

National Foundation for Credit Counseling - This organization coordinates many of the regional, state, and nationally based credit counseling agencies. Most counselors across the nation are accredited with this non-profit organization, and are a full fledged member. The programs they administer provide bankruptcy assistance, debt reduction programs, and general information on options that are available to clients. (1-800-388-2227)

Springboard Nonprofit - They help people repair their credit, and improve their scores. They also offer debt management plans on a limited basis. But this agency focuses on empowering people to solve their own financial difficulties. (800).431.8456.

Credit Counseling Centers of America - Counselors from this non-profit organization can provide consumers across the nation information on and access to a wide array of consumer and creditor services, free housing counseling, and debt reduction programs for individuals and families that may be undergoing some form of financial distress. Dial 1-800-493-2222




Military OneSource Program - This government program is administered by the National Foundation for Credit Counseling. Members of our military, and their family members, can enroll into free credit counseling sessions. The service is offered for members who are based in the United States and also oversees. You will be able to meet with a non-profit counselor to get help with debt reduction, credit repair, mediation sessions, and even mortgage delinquency assistance. Confidential advice is offered either face to face or through telephone consultations. Learn more.

Debt assistance programs offered by credit counseling organizations

While each agency may offer its own services and resources, you will typically find some common themes. For example, most will provide you with one on one access to a dedicated counselor. Each counselor will review your financial situation, and then provide you with the options that are best for you. For example, they may suggest you pursue programs offered by credit card issuers that provide you with credit card help. Most of the non-profit agencies have also created their own debt management plans. At the end of the day you will be provided with various solutions and options. Click here for details on credit card solutions

The above is a listing of some of the credit counseling agencies, many of which offer services free of charge or at a minimal cost to people who enroll in their programs.

Non-profit credit counseling agencies by state




















New Hampshire

New Jersey

New York

North Carolina





South Carolina