Debt Consolidation in Florida

Combine eligible debts into one structured monthly payment—with support from a certified, nonprofit counselor serving Florida.

✓ 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 Florida residents reduce debt through a nonprofit Debt Management Plan.

Debt Consolidation for Florida Residents

From the beaches of the Gulf Coast to the vibrancy of South Florida, residents face high living costs and mounting debt. Nonprofit debt consolidation combines eligible debts into one predictable payment, reducing total repayment costs over time. No hard credit pull for counseling; no obligation.

Sunset over a Florida beach with palm trees silhouetted against orange skies and calm ocean waves.

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 December 26, 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 Florida

Florida’s economy, driven by tourism, healthcare, and retirement communities, faces pressures from seasonal income and high costs. Steep APRs and compounding interest can trap balances. Consolidation brings structure and cost relief statewide, from the Panhandle to the Keys.

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 lowered my rates and built a plan around my seasonal work—finally making progress.” — Sofia, Florida

“The counseling was straightforward. My single payment fits my budget, and balances are dropping.” — Marcus, Florida

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

Elena’s journey to stability in Florida

Elena, a hospitality manager in a tourist area, juggled seasonal income fluctuations while covering family healthcare costs. Credit cards helped bridge slow months, but high interest rates turned temporary support into persistent debt, limiting her ability to save for emergencies.

Through Money Fit’s credit counseling, Elena shared her variable earnings pattern. Her counselor proposed a flexible Debt Management Plan, consolidating cards and medical bills into one payment adjusted to her busy season cash flow. Creditors granted lower rates and fee relief.

With balances steadily declining, Elena planned a family beach day without worry. Ongoing guidance helped her build habits that kept debt from returning.

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

Additional resources

Licensed Debt Relief Services in Florida

Money Fit by DRS, Inc. is licensed and provides Debt Relief Services in the State of Florida.
Florida Department of State, Division of Corporations
The Centre of Tallahassee
2415 N. Monroe St., Suite 810
Tallahassee, FL 32303
https://dos.myflorida.com/sunbiz/
Registration Number: F11000000204
Proudly serving Florida and communities across the state.