Non-profit credit counseling and financial education serving Southern Oregon since 1971. Offers free debt management, credit counseling, homebuying guidance, and student loan repayment assistance.
Data compiled from public sources · Rating from CreditDoc methodology
Consumer Credit Counseling Service (CCCS) of Southern Oregon has operated as a community-based non-profit since 1971, establishing itself as a regional leader in financial counseling and education. The organization serves individuals and families across Oregon with a focus on addressing the financial challenges that impact overall health and wellbeing. Their approach integrates professional counseling with community education to build sustainable financial stability. Based in Southern Oregon, the organization employs local financial counselors and community volunteers dedicated to client empowerment.
CCCS of Southern Oregon provides a comprehensive suite of services including credit counseling, debt reduction strategies, credit management education, student loan repayment navigation, homebuying assistance, reverse mortgage counseling, bankruptcy guidance, and financial literacy programs. Their credit counseling and debt management services are explicitly designed not to artificially improve credit scores, but rather to teach clients the fundamentals of responsible credit use. The organization also offers a "My Money Checkup" survey tool to help clients assess their financial situation and identify improvement areas.
The organization distinguishes itself through its local presence with certified, trained financial counselors operating directly in Southern Oregon communities. Their emphasis on unbiased, client-centered guidance and commitment to working in clients' best interests sets them apart. They partner with community organizations to extend their impact and address broader systemic financial challenges. Educational offerings include popular programs like "Budgeting Made Easy" and ongoing blog content covering financial literacy topics from budgeting to retirement planning to job stability.
As a non-profit credit counseling service, CCCS of Southern Oregon operates transparently with educational and preventive goals rather than profit motives. The organization's 50+ year track record and non-profit status provide credibility. However, potential clients should understand that their services focus on education and counseling rather than aggressive credit score improvement or debt elimination, making them most suitable for individuals seeking genuine financial literacy and sustainable behavioral change rather than quick credit fixes.
Yes. Cccs of Southern Oregon is a registered company, headquartered in Medford, OR.
Counseling available within 1-2 weeks of contact.
CreditDoc Diagnosis
CCCS of Southern Oregon is best for individuals in Southern Oregon seeking genuine financial education, sustainable debt management, and credit counseling from a trusted non-profit rather than those looking for credit score manipulation or rapid debt elimination. Primary caveat: their services emphasize educational empowerment and behavioral change over quick-fix solutions, requiring client commitment to long-term financial responsibility rather than promising immediate credit improvements.
ACCESS is a Jackson County, Oregon Community Action Agency providing free food, energy assistance, housing support, and other essential services to low-income residents since 1976.
Best for: Jackson County, Oregon residents struggling with rent, utilities, or food insecurity, Seniors seeking coordinated access to local resources (Annual Senior Fair and programs)
HUD-approved nonprofit housing counseling agency in Portland, Oregon offering free first-time homebuyer counseling, foreclosure prevention, and home repair assistance to underserved communities.
Best for: First-time homebuyers in the Portland area seeking free, certified counseling on the home purchase process, Portland homeowners facing foreclosure or mortgage hardship who need HUD-certified prevention counseling
Non-profit Community Action Agency serving Harney and Malheur Counties in Oregon with free housing counseling, energy assistance, and financial education programs.
Best for: Low-income Oregon residents in Harney and Malheur Counties seeking free housing counseling and financial education, Homebuyers in these counties needing first-time homebuyer education and down payment assistance
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