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For over 60 years, NFCC and its member agencies have helped people just like you with their financial questions and concerns.
Debt-relief plans are straightforward and are put into action on your first meeting.
No one is turned away. You always know where you stand and who to call with questions.
Nearly 600 NFCC member agency offices nationwide are staffed by NFCC Certified Financial Counselors.
NFCC and our member agencies are nonprofit organizations. We receive funding and support from various sources.
That funding enables our member agencies to charge nominal fees—and, occasionally, no fees when grants exist—for their services. In other words, when our agencies charge fees, they are restricted to a level that is just high enough to cover our expenses. This structure ensures our services are affordable, and more importantly, it means we do not benefit from your circumstances.
Instead, we provide you with unbiased guidance, keeping our focus on what is best for your situation.
When you call NFCC, you’ll be asked for your ZIP Code, whether you have a preference for phone or in-person counseling, and the type of service you are looking for. With that information, you will be connected to the nonprofit agency of your choice for credit counseling and debt-management services.
Working with an NFCC Certified Financial Counselor has made the difference for millions of consumers. Let us make a difference for you and how you feel about your money management skills.
Sharpen Your Financial Focus® Program Participants Report1 That...
now pay debt more consistently.
have improved their overall confidence.
are better at managing their money.
1The evaluation of the Sharpen Your Financial Focus program is being conducted by researchers at The Ohio State University.
With these services, we make it easier and more convenient to help you regain control over your debt, no matter how much you owe.
bills into one smaller monthly payment.
your debt faster.
your money habits.
interest rates regardless of credit score.
collection calls
late fees and over limit charges.
*Results are not guaranteed.
Debt settlement involves the services of a for-profit lawyer who charges you to arrange a single payoff for an amount lower than what you currently owe. While settling sounds simpler, it has some considerable negatives.
Learn MoreFounded in 1951, the National Foundation for Credit Counseling is the nation’s largest serving nonprofit financial counseling organization. Get personal finance advice with our financial counseling and housing counseling podcasts. Click here to speak with an NFCC Certified Financial Counselor.
The first step to a financially stable tomorrow is facing your situation today. Take a proactive approach. Recognize the warning signs that a financial hardship may be in your future. If you’ve fallen behind in your credit card payments, are receiving calls from collection agencies, or financial issues are affecting your home life, financial counseling may provide you the answers to help take control of your finances. To learn more about what to expect in a financial counseling session with an NFCC Certified Financial Counselor click here.
Owning a home can be a dream come true, but unfortunately in these tough economic times it can also be quite a challenge. If you’ve fallen behind on your mortgage payments, anticipate financial problems, or are afraid of foreclosure, housing counseling may provide a solution for you. To learn more about what to expect in a housing counseling session with an NFCC Certified Financial Counselor click here.
Amanda V.
I want to encourage others, especially single mothers, to set their own personal financial goals.
Richard and Susan R.
We seek professional help for everything else in our lives. This is something you really need professional help for.
Martha S.
I learned to honor and respect my money.