Nonprofit Credit Counselor Finder
A nonprofit credit counselor can review your budget with you, explain your options and, if it fits, set up a debt management plan that may lower your interest rates. Counseling is usually free or low cost. Look for agencies that belong to the National Foundation for Credit Counseling (NFCC).
If your problem is your mortgage or rent, a HUD-approved housing counselor can help; you can reach the HUD line at 800-569-4287. Bankruptcy requires credit counseling from an approved agency before you file. Use the finder below to see the counseling options that match your situation.
Nonprofit counseling is usually free or low cost.
NFCC member agenciesFree
Accredited nonprofit credit counselors nationwide. Budget reviews are usually free.
Nonprofit debt management planFree
One monthly payment through an accredited counselor, often with lower interest rates. You repay the full balance, so it usually hurts credit less than settlement.
HUD-approved housing counselorFree
For mortgage and rent problems. Search the CFPB’s housing counselor list or call HUD at 800-569-4287.
Free options come first. Sponsored listings are labeled and may pay us a commission; see our Advertiser Disclosure.