Debt Consolidation in Sacramento
Combine eligible debts into one structured monthly payment—with support from a certified, nonprofit counselor serving Sacramento and communities across Sacramento County and the Capital Region.
- Consolidate credit cards, collections, payday loans, and medical bills into one payment.
- No new loan or balance transfer required.
- May reduce interest and waive certain fees through a Debt Management Plan.
- No hard credit pull for counseling; no obligation.
Sacramento Debt Consolidation Options
Get your free, no-obligation consultation today.
We Work With Major Credit Card Companies (and Many More)
This is just a sample of the many creditors we work with to help Sacramento residents reduce debt through a nonprofit Debt Management Plan.
Debt Consolidation for Sacramento Residents
From Midtown and Land Park to Natomas and Oak Park, Sacramento households face rising costs, high interest, and mounting balances. Nonprofit debt consolidation can combine eligible debts into one predictable payment and lower the total cost of repayment over time. No hard credit pull for counseling; no obligation.
What is debt consolidation?
Debt consolidation combines eligible unsecured debts into a single, structured payment—without taking out a new loan. Through a nonprofit Debt Management Plan:
- Make one monthly payment to the program.
- We work with creditors to reduce interest and waive certain fees.
- Focus on repayment and stability, not new borrowing.
Why consolidation makes sense in Sacramento
State office schedules, healthcare shifts, and commuting costs along I-5 and Highway 50 can strain budgets. If high APRs, compounding interest, and mounting balances are stalling progress, consolidation can bring structure—across Downtown, Arden, Pocket/Greenhaven, and beyond.
Who we help
Consolidation may fit if you’re managing:
- Credit cards and retail/store cards
- Collections from utilities, telecom, or medical providers
- Payday loans and other high-cost short-term debt
- Medical bills and other unsecured balances
How our program works
When to consider consolidation
- Minimums are getting paid but balances aren’t dropping
- Frequent late fees or accounts slipping behind
- Card promo rates have ended and APRs jumped
- You want a structured, nonprofit path to become debt-free
Elena’s step forward in Sacramento
Elena works for a state agency and tutors evenings to cover extra costs. When her car needed repairs and a dental bill arrived, she leaned on credit just to keep moving. Before long, interest and notices began to pile up, and the weight of it followed her into her long days at work and nights of tutoring.
After connecting with Money Fit, she consolidated eligible balances into one monthly payment. Her counselor sent proposals to reduce interest and waive certain fees through a Debt Management Plan—no new loan required.
The difference came when Elena began setting small goals she could celebrate—like putting aside a little each paycheck and writing down her weekly expenses. Those steps gave her a sense of progress and reminded her that change was possible. With lower rates and a structured plan, more of each payment reached principal. The late notices stopped, and her path out of debt felt not only realistic, but hopeful.
*The quotes and story above are representative scenarios based on common client experiences. Names and details have been modified for privacy.
Additional resources
- Low-Income Assistance in California
- Payday Loan Consolidation
- Budget Calculators
- Free Financial Education
- How-to Guides
Licensed to serve California
California Secretary of State — 1500 11th St., Sacramento, CA 95814
https://bizfileonline.sos.ca.gov/
Registration Number: C2650772
Proudly serving Sacramento and communities across the Capital Region.