Debt Consolidation in Queens

Combine eligible debts into one structured monthly payment—with support from a nonprofit credit counselor serving Queens and communities across New York.

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

Debt Consolidation for Queens Residents

From the diverse streets of Flushing to the family homes of Jamaica Estates, Queens residents face high living costs and mounting debt. Nonprofit debt consolidation combines eligible debts into one predictable payment, reducing total repayment costs. No hard credit pull for counseling; no obligation.

Vibrant Queens street scene with Unisphere globe in Flushing Meadows-Corona Park under a blue 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 December 17, 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 Queens

Queens’s vibrant, multicultural communities experience pressures from rising rents, commuting costs, and family expenses. High APRs and compounding interest can overwhelm budgets. Consolidation brings relief across neighborhoods like Astoria, Forest Hills, and Rego Park.

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 turned things around for me—lower rates and one payment made all the difference.” — Mei, Queens

“I finally feel in control. The counselor was patient and got my rates reduced quickly.” — Carlos, Queens

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

Rafael’s fresh start in Queens

Rafael, a delivery driver living in Jackson Heights with his young family, saw his credit card debt climb after a vehicle breakdown and emergency dental work for his daughter. Working long hours across the borough left little time to manage multiple bills, and high interest rates eroded every extra dollar he could pay.

A friend recommended Money Fit, and during his initial counseling session, Rafael shared his challenges openly. The certified counselor crafted a Debt Management Plan that consolidated his cards and medical debt into one payment he could afford on his variable income. Creditors quickly approved lower rates and waived overdue charges.

Months later, Rafael’s balances dropped noticeably. The plan’s structure freed up weekends for family time in Flushing Meadows, and regular check-ins kept him motivated toward full repayment.

*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 New York

Money Fit by DRS, Inc. provides debt relief services in New York.
Money Fit by DRS, Inc. is licensed and based in New York, with an office at 4170 Veterans Memorial Hwy Suite 203, Bohemia, NY 11716.
New York State Department of Financial Services
1 State Street,
New York, NY 10004-1511
https://www.dfs.ny.gov/
License Number: BP100729
Proudly serving Queens and communities across New York City.