Nonprofit Credit Counseling and Debt Relief
Lower interest when possible, simplify payments, and understand your best next step.
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Confidential counseling
Share your debts and budget with a certified nonprofit counselor and get clear, practical next steps.
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Lower rates and certain fees
We work with many creditors to reduce interest and, in some cases, help limit fees to make repayment more manageable.
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One monthly payment if it fits
If a nonprofit Debt Management Plan is a match, eligible debts may combine into one structured monthly payment.
What happens next
- Share a few details.
- We review options that fit your budget.
- You decide the next step.
A nonprofit track record built over nearly three decades.
What Working With Money Fit Looks Like
If debt has started to feel overwhelming, we help you slow things down and get organized. The goal is a plan you can realistically maintain, with support that stays steady.
- We listen first: You tell us what’s going on, and we gather the details that matter.
- We map your options: We review your budget and debts and explain realistic paths forward.
- If a program fits: We can work with many creditors to help reduce interest and simplify payments.
- You get ongoing support: Clear expectations, helpful follow-through, and a team that treats you with respect.
Have a Money Question?
Ask Money Fit.
If you’re unsure what to do next or want a clearer way forward, you can ask our nonprofit team directly. We focus on practical, everyday guidance you can actually use.
- Best for questions about debt, credit, budgeting, and managing day-to-day finances.
- We aim to reply within 2 business days.
- If you’re not sure how to frame your question, ask anyway. We’ll help you narrow it down.
How Money Fit Can Help You Succeed
Money stress is exhausting. Our job is to help you replace guesswork with a clear plan and steady support, so you can move forward with confidence.
- Personalized game plan: We’ll review your budget and debts and map out realistic next steps.
- Debt Management Program options: If a DMP fits, we can work with many creditors to help lower rates and simplify payments.
- Judgment-free guidance: A calm conversation with practical help, not pressure or shame.
- A path you can keep: Build habits that make monthly bills easier today and future goals more possible.
Where People Often Start
These are some of the most common situations people ask us about. Choose the one that sounds closest to your life right now.
Payday loan consolidation
Options for breaking the cycle of high fees, rollovers, and payments that never seem to shrink.
Paying off credit card debt
Clear strategies to reduce interest, simplify payments, and build momentum without relying on new loans.
Debt consolidation
When consolidation helps, when it can backfire, and how to compare options with fewer surprises.
Latest From Money Fit
A few new articles, plus a couple of popular picks from our library.
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A quick look at why this month matters, plus practical ways to build stronger money habits one step at a time.
What Financial Freedom Means & How to Get It
A practical definition—and the habits that make progress possible, even if you’re starting with debt.
Too Much Credit Card Debt? Spot the Signs and Get Relief
Common warning signs, why balances snowball, and realistic ways to regain traction without panic.
