Debt Consolidation in Houston

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

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

Debt Consolidation in Houston, Texas

From the Energy Corridor to the East End, Houston households are managing higher costs and complex schedules. If multiple due dates and interest are keeping you from getting ahead, nonprofit debt consolidation can combine eligible debts into one predictable payment, reduce interest, and help you move forward—without a new loan or a hard credit pull for counseling.

Vibrant daytime view of the Houston skyline with a park in the foreground

How it helps: One monthly payment and potential reductions in interest and fees through a nonprofit Debt Management Plan—without new borrowing.

Reviewed by Money Fit Team • Updated August 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.
Stay focused on repayment and stability, not new borrowing.

Why consolidation makes sense in Houston

With long commutes, childcare costs, and surprise expenses, minimums alone may not move balances. Consolidation can steady cash flow, curb interest, and give you a dependable payoff plan—whether you’re in Alief, Greenspoint, Midtown, or beyond.

Who we help

Consolidation may be a fit if you’re managing:

High-interest credit cards
Collections or charged-off accounts
Payday loans that won’t let up
Medical bills and other unsecured debts

“Setting one draft date made childcare and rent line up again.” — Tiffani, Houston

“Interest came down and my balance finally moved every month.” — Omar, Houston

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-friendly payment schedule.

3. Creditor proposals — we request reduced interest and fee relief where available.

4. One payment, ongoing guidance — you make a single monthly payment and receive support through completion.

When to consider consolidation

You’re paying minimums but balances aren’t dropping
Due dates and fees keep stacking up
Payday renewals are crowding out essentials
You want a structured, nonprofit path to become debt-free

Neha’s new routine near the Medical Center

Neha is a respiratory therapist who rotates shifts at the Med Center. A burst pipe led to repairs on a credit card; then a short month pushed her into a payday loan. Between parking fees and groceries, each paycheck felt spoken for.

A Money Fit counselor mapped her real cash cycle around shift differentials and childcare, then set a single monthly draft that fit even in lighter pay periods. Proposals to creditors requested reduced rates and waived fees through a Debt Management Plan.

Two statements later, one predictable payment replaced scattered due dates. With fewer fees and lower interest, more money hit principal—and the payday balance disappeared. Commuting on 610 still took time, but the money stress eased.

*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 Houston

Money Fit by DRS, Inc. is licensed and provides debt relief services in Texas.
Texas Office of Consumer Credit Commissioner — 2601 N. Lamar Boulevard, Austin, TX 78705
https://occc.texas.gov/
Registration Number: 125643
Proudly serving Houston and surrounding Harris County communities under Texas OCCC registration #125643.