Debt Consolidation in Staten Island

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

Debt Consolidation for Staten Island Residents

From the tree-lined streets of Todt Hill to the waterfront views in St. George, Staten Island residents face high commuting 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.

Verrazzano-Narrows Bridge at sunset connecting Staten Island to Brooklyn, with city skyline 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 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 Staten Island

Staten Island’s unique blend of suburban life and city commuting brings ferry fares, bridge tolls, and family expenses. High APRs and compounding interest can hinder progress. Consolidation offers structure and relief across neighborhoods like Great Kills and New Dorp.

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 helped me after a long illness—lower rates let me focus on recovery.” — Gina, Staten Island

“The plan fit my shift work schedule perfectly. Debt feels manageable now.” — Salvatore, Staten Island

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

Antonio’s turnaround in Staten Island

Antonio, a city sanitation worker and father of three in Dongan Hills, faced overwhelming credit card debt after a prolonged illness left him on reduced pay. Medical bills piled up alongside everyday expenses, and high interest rates turned recovery into a financial nightmare despite steady overtime shifts.

During a break at the ferry terminal, Antonio called Money Fit after seeing an online ad. His counselor patiently mapped out his irregular schedule and family obligations, then secured creditor concessions that slashed rates and eliminated penalties. The resulting single payment aligned perfectly with his paycheck cycles.

As his balances fell, Antonio enjoyed weekends at Wolfe’s Pond Park with his kids again. The program’s flexibility and ongoing support restored his sense of security, and he now shares his experience with coworkers navigating similar hardships.

*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 Staten Island and communities across New York City.