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A man and his elderly father smiling and holding hands after discussing a debt management plan

Restoring Hope in Your Financial Future

For over 60 years, NFCC and its member agencies have helped people just like you pay off debt and grow in their financial capability. Our services help people overcome financial challenges at nearly every stage of life, from leaving the nest to retirement. We help people with a plan to pay off debt, preserve or achieve homeownership, understand bankruptcy options and offer financial tools and educational resources so that each person can gain confidence and success in managing their money!

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.

What to Expect When You Call NFCC

When you call NFCC, you’ll be asked for your ZIP code and the type of counseling you are looking for. With that information, our system will connect you with one of our nonprofit member agencies for credit and debt management services.

To learn more about what to expect during a counseling session click here.

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.

We can help you.



late fees and over limit charges.



collection calls.



interest rates regardless of credit score.



bills into one smaller monthly payment.


Pay Off

your debt faster.



your money habits.

Debt Management Plan (DMP) vs. Debt Settlement

Every minute counts when you are pressured by creditors and debt collectors to make payment arrangements you may not be able to afford. Although your options for debt relief can sometimes seem confusing, you know that you need to make an informed decision based on the facts. The wrong choice can make your situation much worse. Normally it takes a lot of time and effort to gather all the pros and cons, but we’ve taken the guesswork out of it for you. Check out our Ultimate Debt Repayment Comparison Guide to learn more!

Request your copy now

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.