National Foundation for Credit Counseling

They connect you with a trained nonprofit credit counselor who looks at your whole money picture with you and helps you make a plan for debt and bills.

Good to know

The first counseling session is free and private, and they can often lower what you pay each month. Any plan fees can be reduced for hardship.

Hours
Call for current hours; online help any time
Coverage
Nationwide (U.S.)
Languages
English, Spanish
Last checked
July 15, 2026

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We list this organization because people told us it helped. We’re not affiliated with it, and we don’t speak for it. Last checked July 15, 2026.

Heavy moment? Call or text 988 — or we’re here.

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