Free Credit Counseling and Debt Help
Nonprofit Credit Counseling and Debt Relief
Start with free credit counseling. A certified Money Fit counselor will review your budget and debts, explain the options, and show you whether a nonprofit debt management plan can make repayment more manageable.
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Save more than $250 per month on average*
Clients who enroll in a Money Fit debt management plan reduce their total monthly debt payments by more than $250 on average.
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One monthly payment and a faster payoff path
Combine eligible debts into one payment and work toward paying balances in full sooner than making minimum payments alone.
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A practical plan and greater peace of mind
Know what you will pay, where the money goes, and what happens next, with support available along the way.
*Based on 2025 Money Fit debt management plan enrollment data. Individual payment changes and results vary.
Money Fit's nonprofit track record
A nonprofit track record built since 1996.
Money Fit is a service of Debt Reduction Services, Inc., a nonprofit 501(c)(3) credit counseling organization founded in 1996 and a member of the National Foundation for Credit Counseling and Financial Counseling Association of America.
Start with the help that fits the decision in front of you
Most people come to Money Fit because debt has become hard to manage. Money Fit also provides housing and bankruptcy counseling, credit report reviews, and practical financial education. You do not need to know the name of a program before you begin.
I need help with debt
Get help with credit cards, payday loans, collection accounts, and other unsecured debts. Start with free credit counseling and see whether a debt management plan or another repayment strategy fits.
Explore debt services Counseling and required educationI need another type of counseling
Find housing counseling, bankruptcy counseling and debtor education, or a free review of your credit report.
Find counseling services Self-guided resourcesI want to learn and plan on my own
Use Money Fit courses, articles, calculators, podcasts, and other free resources to strengthen everyday money decisions.
Browse financial educationA useful debt plan has to work with the rest of your life
Debt balances are only part of the picture. A counselor also looks at income, housing, food, transportation, insurance, medical costs, and other essentials before explaining the choices that may fit.
- 1 Tell us what is creating pressure. Share the balances, payments, due dates, and what has changed.
- 2 Review the whole budget. A counselor looks at the debts alongside income and essential household expenses.
- 3 See the practical choices. Understand what each path would cost, require, and change month to month.
- 4 Choose what makes sense. Use the counseling on your own or enroll if a debt management plan fits. The decision remains yours.
Know what you are agreeing to before you decide
If a debt management plan is an option, Money Fit explains the proposed payment, program fees, eligible accounts, known creditor terms, and alternatives before asking you to enroll.
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Your information stays with Money Fit
Money Fit does not sell your information or send it to a marketplace of debt companies. Review the privacy policy and disclosures.
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Not a new loan or debt settlement
A debt management plan repays eligible balances through one structured monthly payment. It does not replace them with a loan or promise reduced principal.
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The decision remains yours
Counseling can help even when a debt management plan is not the right fit. You choose whether to use the information on your own or enroll.
What people say about working with Money Fit
Reviews can help you understand the service experience, but every household begins with different debts, income, creditor terms, and goals.
“Service was amazing and very knowledgeable. They helped a very stressful situation become so much easier to process.”
“I was able to get my interest rate down & have my payments be way more affordable, awesome help. Thanks so much!!”
“I contacted this company several years ago and they helped me get out of debt. It was very straightforward and easy.…”
These selected Google reviews reflect individual experiences and do not guarantee payment changes, creditor terms, program completion, or other results. See additional Money Fit success stories.
Talk with a nonprofit credit counselor
Share a few details so Money Fit can review your debts, monthly payments, and household budget. You can understand the options before deciding whether to enroll in anything.
Calling or submitting a request does not require enrollment in a debt management plan.
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