Debt Consolidation in Sacramento

Combine eligible debts into one structured monthly payment—with support from a nonprofit credit counselor serving Sacramento 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 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.

California State Capitol in Sacramento with trees and city buildings at sunset.

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 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

“Money Fit combined my cards into one structured plan and negotiated lower rates—my balance actually drops each month.” — Priyanka, Sacramento

“Lower rates and a clear plan cut fees—we’re finally gaining ground again.” — Carlos, Sacramento

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-aligned payment schedule.

3. Creditor proposals — we request interest reductions and fee relief directly with creditors.

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 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

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 Sacramento and communities across the Capital Region.