Debt Consolidation in Santa Ana

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

Debt Consolidation for Santa Ana Residents

From Downtown and Floral Park to Metro East, Santa Ana families are dealing with high costs, steep interest, and balances that won’t budge. 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.

Downtown Santa Ana skyline at sunset with office towers, colorful low-rise buildings, and a vivid evening sky.

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 Santa Ana

Whether you work retail, healthcare, or service across Orange County, high APRs and compounding interest can keep balances stuck. Consolidation can bring structure and reduce total costs—citywide.

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 reduced my rates and set a clear payoff path—my balances finally move.” — Andrea, Santa Ana

“With a plan aimed at principal, fees dropped and we started seeing steady progress.” — Roberto, Santa Ana

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 ended and APRs jumped
You want a structured, nonprofit path to become debt-free

Javier’s step forward in Santa Ana

Javier works maintenance during the day and picks up part-time cooking shifts on weekends. When car repairs and medical costs hit close together, he leaned on credit just to keep things steady. Soon the balances barely budged, and the weight of trying to juggle it all left him drained at the end of every week.

After connecting with Money Fit, he consolidated eligible balances into one monthly payment. His counselor sent proposals to reduce interest and waive certain fees through a Debt Management Plan—no new loan required.

Javier also began building new habits of his own. He checked his budget weekly, trimmed back on extra meals out, and celebrated small wins when he stayed on track. Those steps gave him back a sense of control. With lower rates and a plan that put more toward principal, his balances finally began to fall. More importantly, he felt lighter knowing there was a path forward and that his hard work was starting to pay off at home as well as on the job.

*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 Santa Ana and communities across Orange County.