Debt Consolidation in Fontana

Combine eligible debts into one structured monthly payment—with support from a nonprofit credit counselor serving Fontana 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 Fontana residents reduce debt through a nonprofit Debt Management Plan.

Debt Consolidation for Fontana Residents

In the Inland Empire’s logistics and warehousing hub, many Fontana households balance variable shifts 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.

Aerial view of Fontana with suburban homes and the San Gabriel Mountains in the distance.

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.
Focus on repayment and stability, not new borrowing.

Why consolidation makes sense in Fontana

If high interest and scattered due dates are stalling progress, consolidation can restore control—whether you work swing shifts in distribution, drive regional routes on I-10 and I-15, or support a household with variable hours.

Who we help

Consolidation may 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

“One payment on autopay and negotiated rate reductions—my balances finally move each month.” — Nadia, Fontana

“Our counselor built a plan around our pay schedule. Late fees stopped and budgeting clicked.” — Luis, Fontana

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

Jasmine’s step forward in Fontana

Jasmine works split shifts at a distribution center and picks up weekend routes delivering packages. When overtime slowed, she relied on two credit cards and a small-dollar loan to bridge gaps.

After meeting with Money Fit, she consolidated 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.

Together they reviewed her budget line by line, setting aside a small emergency cushion and mapping a plan for groceries, fuel, and rent. Her counselor encouraged her to pause new credit applications and track expenses weekly, using categories she could easily maintain even with long shifts. Jasmine also arranged a modest payment plan for medical costs, giving her space to stay current without piling on new debt.

A few statements later, the interest burden eased and payments started cutting into principal. With autopay set, her schedule felt manageable again 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 Fontana and communities across the Inland Empire.