Non-profit credit counseling agencies, HUD-approved housing counselors, and NFCC-accredited organizations offering free financial guidance — no catch, no upsell.
1247 companies found
Nonprofit NFCC-certified credit counseling agency offering free initial consultations and paid Debt Management Plans to reduce interest rates on unsecured debt since 1987.
Best for: Consumers carrying $2,000–$500,000 in high-interest unsecured credit card debt seeking negotiated rate reductions, People overwhelmed by multiple credit card payments wanting one consolidated monthly payment
Nonprofit credit and housing counseling agency founded in 1991. Offers debt management plans, foreclosure prevention, bankruptcy education, and student loan counseling across 12 offices in 11 states.
Best for: Consumers with significant unsecured debt (credit cards) seeking a structured, creditor-negotiated repayment plan, Homeowners facing foreclosure or first-time buyers who need HUD-certified housing guidance
ACCC is a 501(c)(3) nonprofit credit counseling agency founded in 1991, offering free debt management programs starting at \/month. BBB A+ rated with 4.98 stars, NFCC member, licensed in all 50 states.
Best for: Consumers with \,000-,000 in unsecured credit card debt seeking a structured, nonprofit-guided repayment plan, Individuals who want to avoid bankruptcy and debt settlement but need professional help negotiating lower interest rates with creditors
Nonprofit HUD-approved financial counseling agency founded in 1974. Offers free and low-cost counseling for housing, debt, credit, and foreclosure prevention.
Best for: Homeowners facing foreclosure who need free, unbiased counseling before engaging a servicer, Seniors age 62+ considering a reverse mortgage who must complete mandatory HUD counseling
NFCC-certified nonprofit offering free credit counseling, debt management plans, housing counseling, and bankruptcy guidance since 1996.
Best for: Consumers carrying high-interest credit card debt who want a structured, creditor-negotiated payoff plan without the risks of debt settlement, Homeowners facing foreclosure or seeking first-time homebuyer education through an HUD-approved agency
Chicago-based financial services provider offering free credit consultations, tax preparation, notary services, and business startup assistance with bilingual support.
Best for: Spanish-speaking immigrants seeking free credit consultations and financial guidance, First-time Latino entrepreneurs starting LLCs or small businesses in Chicago
Money Management International is a credit repair provider based in Stafford, Texas. Rated 5.0/5 with 734 Google reviews, reflecting exceptional customer satisfaction.
Best for: Consumers in Stafford, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Non-profit credit counseling agency offering free debt management, bankruptcy, and housing counseling services. NFCC member with 50+ years serving 400,000+ clients.
Best for: Individuals with multiple credit card and unsecured debts seeking structured repayment guidance, First-time homebuyers or homeowners seeking foreclosure prevention counseling
GreenPath Financial Wellness is a 60-year-old national nonprofit offering free NFCC and HUD-certified financial counseling, debt management, and housing guidance.
Best for: Individuals with high-interest credit card debt seeking consolidation with lower rates and extended repayment terms, Homeowners facing foreclosure or seeking HUD-approved housing counseling and guidance
XFI Group offers financial education programs, training curriculum, and reseller opportunities for financial professionals and educators seeking to teach personal finance and financial literacy.
Best for: Financial professionals and educators seeking curriculum resources and training materials, Small business owners looking to develop in-house financial literacy training programs
Technical assistance and financial readiness consulting firm serving nonprofits, CDFIs, business service organizations, and entrepreneurs nationwide with credit education and organizational capacity building.
Best for: Nonprofits and CDFIs seeking to design, deliver, or strengthen credit-building and financial education programs, Small business development centers, chambers of commerce, and accelerators wanting to enhance entrepreneur financial readiness support
Seattle-based non-profit credit consulting organization offering personal credit repair, business credit building, and trauma-informed financial education with a mission to reduce the racial wealth gap.
Best for: Individuals from underserved or minority communities seeking culturally-aligned credit counseling, Mission-driven consumers who prioritize supporting organizations focused on reducing wealth gaps
American Consumer Credit Counseling (ACCC) is a BBB A+-rated nonprofit offering free credit counseling and Debt Management Plans to help Jacksonville residents consolidate and pay off credit card debt faster.
Best for: Jacksonville residents with multiple credit cards struggling to manage payments and seeking lower interest rates, Consumers seeking structured debt payoff plans without taking on new loans or debt settlement
American Consumer Credit Counseling (ACCC) is a nonprofit organization providing free credit counseling, debt management programs, and financial education to help consumers manage credit card debt.
Best for: Consumers with significant credit card debt seeking structured debt management solutions, Individuals preferring nonprofit guidance over for-profit debt relief companies
IRS-approved 501(c)(3) nonprofit credit counseling agency in Phoenix offering free debt management plans, credit counseling, and debt consolidation services.
Best for: Phoenix-area residents with $5,000+ in unsecured consumer debt seeking to consolidate multiple creditors into one payment, Consumers who are current or behind on payments and want to work with a nonprofit certified counselor
Premisien offers free credit counseling consultations for personal and business credit improvement, plus lending and bookkeeping services for individuals and small businesses.
Best for: Small business owners needing business credit building and lending guidance, Individuals in underserved communities seeking personalized credit improvement with cultural relevance
NFCC is a nonprofit credit counseling network offering free and low-cost financial guidance through 1,500+ certified counselors. They help consumers manage debt, budget, and avoid bankruptcy without charging fees.
Best for: Consumers with credit card debt seeking structured, affordable repayment plans without credit score damage, Homeowners concerned about foreclosure or seeking mortgage counseling and homebuyer education
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Best for: Consumers in Dallas, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Unable to verify: MetaCredit USA's website is currently unavailable, preventing profile completion and service confirmation.
Best for: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Impact Credit Consultants does not appear in the provided search results. The URL redirects to a 2-1-1 Colorado directory listing other non-profit credit counseling agencies.
Best for: Consumers in Denver, Colorado looking for credit repair services, People who prefer working with a local credit repair provider
Money Management International (MMI) is a nonprofit credit counselor offering free and low-cost debt management, bankruptcy, and housing counseling across the U.S., with HUD and NFCC certification.
Best for: Consumers seeking nonprofit credit counseling with verified institutional credibility and HUD/NFCC certification, Homebuyers, renters facing eviction, or those needing housing-related financial counseling with government backing
Free financial literacy workshops hosted by the Free Library of Philadelphia in partnership with Citadel, offering credit and money management education to teens and adults.
Best for: Philadelphia-area residents aged 15+ seeking foundational credit and money management knowledge, Teens and young adults building financial literacy before major life decisions
Unable to verify company details. Website returns 403 Forbidden error, preventing access to service information, credentials, or operational status.
Best for: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Non-profit credit counseling agency in Houston offering free financial and homebuyer education classes, pre-purchase counseling, and financial coaching to low and moderate-income consumers.
Best for: Low and moderate-income Houston-area residents preparing to buy a home, Consumers needing homebuyer education certificate to satisfy lender or program requirements
Houston-based 501(c)(3) nonprofit providing free financial education, coaching, and matched savings programs to help lower-income families achieve homeownership and build long-term financial resilience.
Best for: Lower-income Houston-area working families serious about homeownership within 1-5 years, First-time homebuyers with subprime credit who need structured credit improvement and savings matching
ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.
Best for: Consumers seeking free, unbiased debt management education and budget counseling, Homebuyers needing pre-purchase credit preparation and down payment assistance guidance
Consumer Credit Counseling Services San Francisco, CA — Non-profit credit counseling organization offering free initial consultations and personalized d...
Best for: Consumers with credit card debt seeking free guidance on debt consolidation and budgeting, Individuals wanting to improve credit scores through structured payment planning
Cirkal Financial Services is a veteran-owned financial education and advisory firm offering free consultations and comprehensive financial planning across all 50 states, partnering with 150+ A-rated financial institutions.
Best for: Individuals seeking free financial education and guidance before working with external providers, Small business owners and families interested in comprehensive financial planning services
Licensed credit consulting firm in Columbus, OH offering free consultations and affordable credit counseling, repair, and business coaching services.
Best for: Columbus, OH residents seeking personalized credit counseling and building strategy from a local professional, Small business owners needing help establishing business credit and basic entrepreneurial coaching
Charles Battle offers comprehensive financial planning and advisory services combining faith-based perspectives with professional credentials including CFP certification and divinity training.
Best for: Faith-based individuals seeking financial advice aligned with religious values and pastoral perspective, Senior citizens in minority or disadvantaged communities exploring Medicare and benefits optimization
ARC Credit Counseling, LLC is a non-profit credit counseling agency approved by the U.S. Department of Justice under 11 U.S.C. § 111 to provide free or low-cost financial guidance.
Best for: Bankruptcy filers seeking mandatory pre-bankruptcy credit counseling required by federal law, Consumers building debt management plans who need government-approved, regulated financial guidance
Apprisen is a 501(c)(3) non-profit credit counseling agency offering debt management, financial education, and personalized financial planning at no or low cost.
Best for: Consumers struggling with multiple debts who need creditor negotiation and structured repayment plans, First-time credit counseling seekers intimidated by credit reports and needing financial education
Latino-based non-profit offering community economic development, family services, and financial opportunity programs in Philadelphia since 1970.
Best for: Low-income Latino families in Philadelphia seeking integrated financial and social services, Individuals seeking culturally competent, Spanish-language financial counseling and housing assistance
Catholic Charities Fort Worth is a non-profit organization founded in 1910 providing holistic, research-based poverty reduction services to tens of thousands annually across North Texas.
Best for: Low-income families in North Texas seeking comprehensive poverty reduction rather than emergency-only assistance, Immigrants and refugees who need multilingual support across employment, financial, and educational domains
InCharge Debt Solutions is a 27-year-old Orlando-based 501(c)(3) nonprofit offering free credit counseling, debt management programs ($32-34/mo), and HUD-certified housing counseling. 3.2 million clients served, $3.4 billion in debt repaid.
Best for: Consumers with $5,000+ in credit card debt who can afford monthly payments but need lower interest rates to make real progress, Individuals seeking free, certified nonprofit financial counseling before deciding on any debt strategy
Miami-based tax preparation and IRS representation firm offering filing services, back tax resolution, and IRS debt relief solutions for individuals and small businesses.
Best for: Miami-area individuals and small business owners with IRS tax debt, back taxes, or unresolved tax notices, Bilingual Spanish-speaking taxpayers seeking IRS representation and tax services
Non-profit 501(c)(3) credit counseling organization offering debt management and financial education to help consumers become debt-free since 1998.
Best for: Consumers seeking free credit counseling before considering bankruptcy, Individuals interested in negotiated debt management plans with multiple creditors
Non-profit credit counseling organization providing free debt analysis, credit education, housing counseling, and bankruptcy guidance since 1996.
Best for: First-time homebuyers seeking free mortgage guidance and homeownership preparation, Veterans and active military families navigating financial planning and homeownership
Nonprofit credit counseling agency offering free counseling, debt management programs, and HUD-approved housing help. Rated 4.7/5 from 9,144 reviews.
Best for: People with $10,000+ in credit card debt who want structured repayment without settlement, Homeowners or prospective buyers needing HUD-certified housing or foreclosure counseling
United Way Center for Financial Stability offers free financial coaching, credit counseling, tax preparation, and resource referrals across three Miami-Dade County locations to help working families achieve financial independence.
Best for: Working families and individuals in Miami-Dade County struggling with the rising cost of living and financial instability, People seeking to improve credit scores and develop debt reduction strategies with expert guidance
San Diego Financial Literacy Center provides free financial education seminars, workshops, and one-on-one consultations to San Diego County residents, with specialized programs for youth, military families, and low-to-moderate income individuals.
Best for: Active military members, veterans, and military families seeking financial education and assistance programs, High school and college students learning foundational personal finance and credit management skills
Phoenix-based Women's Business Center offering free SBA-backed business training, mentorship, and counseling to aspiring and existing entrepreneurs regardless of gender.
Best for: First-time entrepreneurs needing foundational business planning, entity formation, and mentorship, Women and minority business owners seeking culturally-relevant support and imposter syndrome coaching
NALCAB is a CDFI intermediary supporting 200+ nonprofit member organizations across all 50 states focused on Latino community economic development through lending, capacity building, and policy advocacy.
Best for: Nonprofit organizations and CDFIs working on community economic development seeking grants, loans, and capacity building support, Communities in Latino-serving regions seeking housing, small business, or neighborhood development initiatives
MoneySharp is a US Trustee-approved credit counseling agency offering pre- and post-bankruptcy financial education courses for $12 per household.
Best for: Individuals required to complete credit counseling before filing Chapter 7 or Chapter 13 bankruptcy, Recent bankruptcy filers needing post-discharge debtor education courses for discharge requirements
Non-profit financial counseling and tax prep service offering free workshops, 1:1 counseling, and tax filing assistance to low- and moderate-income individuals and families.
Best for: Low- and moderate-income individuals and families seeking free tax preparation and EITC credit optimization, Individuals struggling with housing instability or navigating rental/homeownership financial challenges
National nonprofit offering free NFCC and HUD-certified financial counseling since 1961, helping consumers with debt management, budgeting, and housing decisions.
Best for: Consumers with moderate, manageable debt (credit cards, personal loans) who can commit to 3-7 year repayment timelines, First-time homebuyers seeking HUD-certified guidance on mortgages, down payments, and homeownership readiness
First Command Financial Advisors provides face-to-face financial coaching and advisory services specifically designed for active military, veterans, and military families since 1958.
Best for: Active-duty military service members seeking localized financial guidance near San Diego military installations, Military families with BAH, BAS, and military-specific financial planning needs
Detroit Wealth Club is a nonprofit organization providing structured financial education, credit strategy, and entrepreneurship programming to individuals and entrepreneurs across Detroit and Metro Detroit.
Best for: Detroit/Metro Detroit residents interested in foundational credit education and understanding credit reports, Aspiring entrepreneurs and small business owners seeking business formation, credit strategy, and capital readiness guidance
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