Debt Consolidation in Bakersfield

Combine eligible debts into one structured monthly payment—with support from a nonprofit credit counselor serving Bakersfield and communities across California.

✓ One structured monthly payment — no new loan
Eligible debts may be organized into a single payment through a nonprofit Debt Management Plan.
✓ Personalized counseling and budget review
Review your full financial picture and receive clear, practical next steps.
✓ Possible interest and fee reductions
We work with participating creditors to seek lower rates and certain fee relief when available.

Explore Debt Counseling Programs

Free, no-obligation consultation.

We Work With Major Credit Card Companies (and Many More)

This is just a sample of the many creditors we work with to help Bakersfield residents reduce debt through a nonprofit Debt Management Plan.

Debt Consolidation for Bakersfield Residents

From shifts in energy and agriculture to logistics along Highway 99 and 58, Bakersfield families often juggle irregular hours and rising costs. 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.

Iconic yellow Bakersfield sign arching over a roadway with blue sky and trees in the background.

How it helps: One monthly payment, potential interest reductions and fee relief through a nonprofit Debt Management Plan—without a new loan or balance transfer.

Reviewed by Money Fit Team • Updated September 2025

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.
Stay focused on repayment and stability, not new borrowing.

Why consolidation makes sense in Bakersfield

If multiple due dates and high interest are holding you back, consolidation can restore control—whether you live near downtown, the Southwest, or neighborhoods across Kern County.

Who we help

Consolidation may be a fit if you’re managing:

High-interest credit cards
Collections or charged-off accounts
Payday loans that renew or roll over
Medical bills and other unsecured debts

“Money Fit set up one payment I could automate and negotiated lower rates. My balance is finally moving down.” — Ruben, Bakersfield

“The plan fit our budget, so the late fees stopped and we started making progress again.” — Alyssa, Bakersfield

How our program works

1. Free conversation — a certified nonprofit counselor reviews your income, expenses, and debts.

2. Personalized plan — if consolidation is a fit, we design a budget-friendly payment schedule.

3. Creditor proposals — we work directly with creditors to request lower interest and fee relief.

4. One payment, ongoing guidance — you make a single monthly payment and receive support through completion.

When to consider consolidation

Minimums are getting paid but balances aren’t moving
Frequent late fees or juggling due dates
Payday loans are crowding out essentials
You want a structured, nonprofit path to become debt-free

Selena’s step forward in Bakersfield

Selena works nights in distribution and covers daytime childcare. When overtime slowed, she relied on two cards and a short-term loan to bridge gaps. Fees piled up and the balances barely moved.

After meeting with Money Fit, Selena consolidated her eligible debts into one monthly payment. Her counselor sent proposals requesting reduced interest and waived fees through a Debt Management Plan. No new loan required.

Within a few billing cycles, her interest costs eased and payments started chipping away at principal. The calendar got simpler and the stress lifted.

*The quotes and story above are representative scenarios based on common client experiences. Names and details have been modified for privacy.

Additional resources

Licensed to serve California

Money Fit by DRS, Inc. is licensed and provides Debt Relief Services in the State of California.
California Secretary of State — 1500 11th St., Sacramento, CA 95814
https://bizfileonline.sos.ca.gov/
Registration Number: C2650772
Proudly serving Bakersfield and communities across Kern County.