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Restoring Hope in Your Future

For over 60 years, NFCC and its member agencies have helped people just like you with their financial questions and concerns.

What you should know about us

Fast relief

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.

Local to you

Nearly 600 NFCC member agency offices nationwide are staffed by NFCC Certified Financial Counselors.

No One Is Turned Away: Why Work With a Nonprofit

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.

What to Expect When You Call NFCC

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.

Real results. Real relief.

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.

Services and Programs from a True Financial Advocate

With these services, we make it easier and more convenient to help you regain control over your debt, no matter how much you owe.

Sharpen Your Financial Focus: A 3-step program to financial stability

The program starts with a one-on-one personalized financial review. Everyone who participates leaves with a personal financial action plan aligned with their goals.

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MyMoneyCheckup®: Online self-assessment tool

Develop a better understanding of how your finances are doing, where you can improve, and what you can do in the future.

Try It Now

NFCC Debt Management Plan (DMP)

Debt management plans serve the dual role of helping you repay your debts while creditors receive the money owed to them. They are a systematic way to pay down your outstanding debt through monthly payments to your credit counseling agency.

Your accounts will always be credited with 100 percent of the amount you pay through an NFCC agency. By participating in this type of debt management program, you may benefit from reduced or waived finance charges or fees, and experience fewer collection calls. When you have completed your payments-which typically takes 36-60 months- it may help you reestablish credit.

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We help you.*



bills into one smaller monthly payment.


Pay Off

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 Management Plan (DMP) vs. Debt Settlement

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.

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How Counseling Works

Founded 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.

Young credit advisers giving debt advice

Financial Counseling 101

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.

An elderly couple discussing reverse mortgage counseling on the phone

Housing Counseling 101

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.

In their own words: Hear from people we’ve helped

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.