Nonprofit financial guidance since 1996
About Money Fit
Money Fit helps individuals and families understand their finances, review responsible options, and take practical steps toward greater financial stability.
Money Fit is a service of Debt Reduction Services, Inc., a nonprofit 501(c)(3) credit counseling organization. We do not lend money.
Who we are
Money Fit is the public-facing name people encounter when they use our financial education, credit counseling, and debt management services. Our work is supported by the nonprofit organization behind Money Fit and by standards designed to promote accuracy, accountability, and consumer protection.
- Public name
- Money Fit
- Legal organization
- Debt Reduction Services, Inc.
- Organization type
- Nonprofit 501(c)(3) credit counseling organization
- Established
- 1996
- Headquarters
- Boise, Idaho
- Organization identifier
- NMLS ID 1006969
Serving consumers since 1996
Money Fit was created to help people during financial situations that can feel uncertain, stressful, or difficult to untangle. Financial challenges are not a measure of someone's character or effort. They often reflect changing circumstances, limited options, and gaps in access to useful information.
Our role is to help people understand the full picture, compare responsible paths, and make their own informed decisions. Success is not keeping someone dependent on our services. It is helping that person build the knowledge and structure needed to move forward with greater confidence.
Practical guidance that respects the person
We work to explain financial options in plain language, reduce unnecessary pressure, and support long-term financial well-being. Every situation is different, and responsible guidance should make room for the individual to decide what fits.
How Money Fit helps
People do not need to know the name of a program before contacting us. We begin by understanding the situation and explaining the available next steps.
Financial education
Free guides, courses, calculators, and educational resources help people build practical knowledge at their own pace.
Explore financial resourcesCredit counseling
A confidential conversation with a nonprofit counselor can help someone review a budget, debts, priorities, and realistic options.
Learn about credit counselingDebt management plans
When appropriate, eligible unsecured debts may be included in a structured repayment plan. A debt management plan is not a new loan.
Understand debt management plansMoney Fit serves consumers across the United States, although services, program availability, fees, and required disclosures can vary by state. Review our state licenses and registrations for additional information.
What people can expect from Money Fit
Understanding before enrollment
We begin with the person's circumstances, budget, debts, and goals before discussing whether a particular service may fit.
Straightforward explanations
We aim to explain how an option works, what it may cost, what limitations apply, and what alternatives may deserve consideration.
A decision without pressure
Counseling does not require enrollment in a debt management plan. The person receiving counseling decides what to do next.
Education for the long term
Our goal is not only to address an immediate financial concern, but also to strengthen the knowledge and habits that support future stability.
Important distinction: Money Fit does not provide loans, balance transfers, debt settlement, or credit repair. We do not sell or rent consumer leads, and we do not guarantee creditor participation or a particular financial outcome.
Standards and accountability
Public trust should be supported by more than a mission statement. Our organization maintains professional memberships, quality-management practices, compliance controls, and public disclosures that help people evaluate who we are.
ISO 9001:2015 certified
Our quality management system is certified to ISO 9001:2015 by Bureau Veritas. The certification supports documented processes, quality controls, and ongoing organizational review; it does not guarantee any individual financial result.
Professional memberships
Our organization is a member of the National Foundation for Credit Counseling and the Financial Counseling Association of America .
Qualified counseling team
Our counseling team includes professionals with recognized industry credentials and training relevant to the services they provide.
Public verification
Review our state licenses and registrations , NMLS record , and editorial standards .
Consumer education and compliance leadership
Money Fit's counselors work confidentially with clients. The professionals below help guide the accuracy, educational quality, compliance, and consumer-protection standards reflected in our public work.
Rick Munster
Senior Manager of Compliance and MediaRick has more than two decades of experience in nonprofit credit counseling and serves on the board of directors of the Financial Counseling Association of America. He helps oversee compliance, consumer-protection practices, and public content accuracy across Money Fit.
Todd Christensen, AFC®
Education ManagerTodd is an Accredited Financial Counselor and the author of Everyday Money for Everyday People. He leads Money Fit's education efforts and translates financial concepts into practical, real-life guidance.
Frequently asked questions about Money Fit
Is Money Fit a nonprofit credit counseling service?
Yes. Money Fit is a service of Debt Reduction Services, Inc., a nonprofit 501(c)(3) credit counseling organization. Money Fit provides financial education, credit counseling, and related services consistent with that nonprofit mission.
Does Money Fit lend money?
No. Money Fit does not provide debt consolidation loans, personal loans, or balance transfers. When appropriate, a debt management plan may organize eligible debts into one monthly program payment without creating a new loan.
Does credit counseling require enrollment in a program?
No. Counseling is intended to help someone understand the situation and available options. If a debt management plan or another service is discussed, the person receiving counseling decides whether to proceed.
Where are Money Fit services available?
Money Fit serves consumers across the United States. Particular services, fees, disclosures, and program terms may vary by state, creditor, and individual circumstances. Our Licenses page provides state-specific regulatory information.
How do I get started?
You can start online, call 800-432-0310, or contact Money Fit. We will listen, ask questions about what you are trying to address, and explain the next appropriate steps.
Start with understanding your options
If debt payments, household expenses, or competing financial priorities have become difficult to manage, a confidential conversation can help identify which options may fit. There is no obligation to enroll in a program.
