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About us How member agencies work Membership Our supporters Mission and values How counseling works Who we help People with debt First-time Homebuyers Student loan borrowers Military and veterans Small business owners What we offer Debt management plans Credit report reviews Homeownership counseling Reverse mortgage counseling Foreclosure prevention counseling Bankruptcy counseling Resources Planning tools and calculators Military Veterans Programs and Resources Debt management options Blog Ask an expert Testimonials Client impact and research FAQs En español News room Search NFCC - Financial health for the rest of us® Start here Give us a call NFCC - Financial health for the rest of us® Talk to a Non-Profit Financial Counselor Call NFCC at 800.388.2227 Search for: Get a plan to be debt-free! Nonprofit financial counseling helps provide a plan to pay off your debt. Talk to a counselor today! If you are struggling and looking for a way to get your finances back on track, you’re not alone! Each year more than a million of Americans get help from an NFCC certified financial counselor to build a plan to pay off their debt! Want to buy a house? Our Envisioning Homeownership program can help! Take the first step to being mortgage ready. If being a homeowner is your goal, we’ve got the program for you! The Envisioning Homeownership Program was created to help you achieve your dream. Pay off your debt in 24-60 months! NFCC can help you with a plan. Talk to a nonprofit counselor today! Trusted nonprofit debt relief is here for you. Whatever your situation, we’ll work with you to get relief from the financial stress you’re living with. Then, we’ll set you on a path to improving your credit and debt management skills so you can live a financially fit life. Buy a home! Your goals are within reach! LEARN ABOUT ENVISIONING HOMEOWNERSHIP If being a homeowner is your goal, we’ve got the program for you! The NFCC Envisioning Homeownership program was created to help you achieve your dream of successful, stress-free, long-term homeownership. Nonprofit debt management is the smart choice for paying off your debt! Nonprofit Debt Management Plan DMP Can improve credit health Lowers interest rates Stops creditor calls One easy monthly payment No Tax or legal concerns [3] Provides financial education for long-term success Offers affordable solutions For-profit Debt Settlement Debt Settlement Can improve credit health [1] Lowers interest rates Stops creditor calls One easy monthly payment No Tax or legal concerns Provides financial education for long-term success Offers affordable solutions [2] Bankruptcy Can improve credit health Lowers interest rates Stops creditor calls One easy monthly payment No Tax or legal concerns Provides financial education for long-term success Offers affordable solutions Learn more about debt management plans Check out the latest “What’s Working in Washington” podcast featuring the NFCC, The Real Consumer Debt Issue! How it works When you decide to schedule a session, you’ll have a one-on-one conversation with an NFCC Certified Credit Counselor. It is easy to set up and personalized to your situation. Curious before you call? See what to expect Who we help People with debt First-time Homebuyers Student Loan Borrowers Military and Veterans Small Business Owners Get out of debt with our help! We provide you with options for getting your money life in shape so you can stay on track and achieve your money goals. One-on-One financial coaching It’s quick and easy to schedule a phone appointment with an NFCC Certified Financial Counselor. Find a Financial Coach Now Receive NFCC’s Money Tips Monthly Be in the know with a free subscription to our monthly newsletter. With money saving tips you can put into action now, it’ll keep you moving toward your financial goals. Subscribe here Online Resources Ask our automated, online counselor, Penny for help finding articles, links, calculators and more for immediate answers. Improve your money smarts at your own pace, now. What does financially fit mean? You can pay bills on time Being able to pay expenses on time, each month, avoiding penalties and minimizing interest charges. Learn How You're building your savings Routinely adding to your savings so there is money available for emergencies and retirement. Learn How You're able to plan for your future Knowing what you spend and how much you need to save, minimizing surprises, yet being ready for them, when they occur. Learn how Answers…throughout your life We offer more than a one-and-done service. NFCC and our member agencies are here for you at every stage of your money life with ready answers, guidance you can follow, and a path to a better life. Graduation New Job New Car Wedding Homeownership New Baby Divorce Retirement Death of a Spouse Which debt repayment method is right for you? When it comes to repaying debt, you have several options. Our latest report discusses the pros and cons of each so you can choose the right one for your circumstances. Request your copy now Number of people who worked with an NFCC Financial Advocate to get financially fit 3,140,189 *Total clients served from Q1 2016 – Q4 2018. Jonelle B. I talked to several credit management companies who made me feel like a statistic, not a human being. Take Charge America, an NFCC member, was interested in ME! That made me feel safe, encouraged and respected. Francine S. My financial coach gave me the confidence and skills to buy a new home. See more testimonials As featured in: Stay in the know Register to receive our monthly newsletter for smart money management tips and to be alerted when we post new content to our blog. About us How member agencies work Membership Our supporters Mission and values How counseling works Who we help People with debt First-time Homebuyers Student loan borrowers Military and veterans Small business owners What we offer Debt management plans Credit report reviews Homeownership counseling Reverse mortgage counseling Foreclosure prevention counseling Bankruptcy counseling Resources Planning tools and calculators Military Veterans Programs and Resources Debt management options Blog Ask an expert Testimonials Client impact and research FAQs Get help now. Talk to an NFCC Certified Financial Counselor 800.388.2227 Find a member agency near me ZIP Code Search Member Agency Login Careers Legislative affairs Accreditation standards Consumer privacy policy Online privacy policy Terms of use Sitemap [1] The Debt Settlement Process often negatively impacts a consumer’s credit score. (Investopedia) [2] According to a study by the Center for Responsible Lending (CRL), Debt Settlement companies often charge high fees (CRL) [3] DMPs are legal agreements between you and your creditors. There are generally no tax implications for full balance DMPs. Less Than Full Balance DMPs may involve tax consequences. Penny Your guide to NFCC Hello! Is there anything I can help you find today? Submit the form below to have our latest report emailed to you....