Debt Consolidation in Santa Clarita

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

Debt Consolidation for Santa Clarita Residents

From Valencia and Saugus to Canyon Country and Newhall, Santa Clarita households face high living costs, steep interest, and balances that don’t move. 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.

Santa Clarita neighborhoods and winding roads at sunset with rolling hills and mountains 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.
Focus on repayment and stability, not new borrowing.

Why consolidation makes sense in Santa Clarita

Mortgage or rent pressure, childcare, and transportation costs along I-5 and CA-14 can stretch any budget—while high APRs and compounding interest keep balances stuck. Consolidation can cut costs and bring structure across the Santa Clarita Valley.

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 built a plan I can follow—balances finally move the right way.” — Selene, Santa Clarita

“Instead of watching interest pile up, we’re paying down principal every month.” — Mateo, Santa Clarita

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

Marina’s step forward in Santa Clarita

Marina balances hours with the local school district and weekend shifts at a neighborhood shop. When her radiator failed and a dental bill arrived soon after, her budget unraveled. Credit filled the gap, but the payments and notices quickly became overwhelming, leaving her discouraged even while working extra hours.

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

Marina also started making gentle changes she could keep up with. She set aside a little each paycheck, used a notebook to track expenses, and leaned on small routines that helped her feel in control. With fewer due dates and a structured plan, each payment reached principal and the late notices faded away. More than anything, she felt hope return, knowing she had a steady path forward and a chance to breathe again.

*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 Clarita and communities across the SCV.