Debt Counseling Programs
Compare debt and financial counseling options with a certified nonprofit counselor.
-
Credit counseling and repayment options
Review your debts and budget with a certified nonprofit counselor and get clear, practical next steps.
-
Housing counseling support
Get help understanding housing options, budgeting for rent or a mortgage, and steps that improve stability.
-
Bankruptcy counseling
If bankruptcy is being considered, we can help you complete the required counseling and know what to expect.
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.
Compare Debt Counseling Options
Money Fit offers a range of nonprofit counseling programs designed to help people understand their options and make informed financial decisions. Every service begins with education and a confidential review, so you can choose a path that fits your situation and goals.
We don’t believe in one-size-fits-all solutions. Some people need structure, others need clarity, and some simply need help understanding what steps come next. Our counselors are here to help without pressure.
Counseling programs
Choose a program below to learn more. If you’re not sure where to start, submit the form above and we’ll help you compare options.
Credit Counseling
Budget review and guidance to understand unsecured debt and next steps.
Learn moreHousing Counseling
HUD-approved counseling for renters, homeowners, and homebuyers.
Learn moreBankruptcy Counseling
Required pre- and post-filing education, explained clearly and simply.
Learn moreCredit Report Review
One-on-one review to understand what’s impacting your credit report.
Learn moreMilitary & Veteran Debt Help
Specialized counseling and fee considerations for eligible service members.
Learn moreFirst Responders Discount
Enrollment discounts for eligible first responders in qualifying services.
Learn moreCommon questions
How do I know which program fits?
Start with your goal: debt repayment, housing support, bankruptcy education, or understanding your credit report. If you’re unsure, submit the form above and a counselor can help you compare options based on your situation.
Is there any obligation to enroll?
No. Counseling is educational and confidential. If a program is recommended, we’ll explain it clearly and you’ll have time to decide.
Is counseling a loan or a new line of credit?
No. Counseling does not require taking on new debt. If a Debt Management Plan is a fit and you choose to enroll, it is not a loan. It’s a structured repayment plan administered through participating creditors where available.
Money Fit is a 501(c)(3) nonprofit organization. Counseling is confidential, judgment-free, and focused on long-term financial stability.
Last reviewed: January, 2026 | URL: /counseling-programs/
