First Responders Debt Help
Nonprofit debt help for those who serve, with clear options and judgment-free guidance.
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First responder enrollment discount
Law enforcement, firefighters, and EMTs may qualify for reduced enrollment fees for eligible services.
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Reduced interest and certain fees
We work with participating creditors to seek lower rates and fee relief when available.
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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.
Creditors We Commonly Work With
Money Fit’s nonprofit debt management plans are not loans. When appropriate, we work directly with participating creditors to help reduce interest rates and certain fees.
Financial Support for First Responders and Their Finances
Serving others often means putting personal needs on hold. At Money Fit, we provide nonprofit credit counseling and debt management support designed to reduce financial strain without adding new debt.
Who may qualify
The First Responders enrollment discount is available to individuals working in service and care professions, including but not limited to:
- Law enforcement officers
- Firefighters
- Emergency medical technicians (EMTs)
- Paramedics
- Nurses and other frontline healthcare professionals
- Other care or emergency service roles, depending on circumstances
Eligibility is based on role and employment setting. If you serve your community in a care or emergency capacity, we’ll help confirm whether the discount applies.
How the discount works
When eligible individuals enroll in qualifying nonprofit services, the administrative enrollment fee is reduced by 50%. This applies to services such as:
- Nonprofit debt management plans (DMPs)
- Payday loan consolidation counseling
All services begin with education and a confidential review. If a program is not a good fit, we explain alternatives and next steps without pressure.
Common questions
How do I confirm I qualify for the discount?
The easiest way is to share your role and work setting during intake or by phone. If you serve in a care or emergency capacity, we’ll confirm whether the discount applies before enrollment.
What does 50% off cover?
The discount applies to the administrative enrollment fee for qualifying services. We’ll review the exact fees and confirm the discount before you decide.
Is this a loan or a new line of credit?
No. A nonprofit debt management plan is not a loan. If you qualify and choose to enroll, payments are structured into one monthly payment, and we work with participating creditors where available.
Moving forward
Money Fit exists to be a steady presence in a space that often feels noisy and overwhelming. If you’re carrying debt while doing work that serves others, we’ll help you understand your options and choose a plan that fits your life.
Money Fit operates nationwide as part of Debt Reduction Services, a 501(c)(3) nonprofit organization. Counseling is judgment-free, confidential, and focused on long-term stability.
Last reviewed: January, 2026 | URL: /first-responders-discount/
