Debt Consolidation in Irving

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

Debt Consolidation in Irving, Texas

Between commuting, childcare, and irregular expenses, Irving households can feel stretched thin. If multiple due dates and high interest are slowing progress, 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.

Irving, Texas skyline with water in the foreground on a clear day

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 Irving

With airport-area schedules, shift work, and rising costs, many Irving families find minimums don’t move balances. Consolidation can bring structure, lower interest, and a reliable payoff path.

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

“Lining up one draft date with payday stopped the late fees.” — Serena, Irving

“My balance finally drops each month instead of stalling.” — Dev, Irving

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
Fees keep stacking up or due dates are hard to track
Payday renewals are crowding out essentials
You want a structured, nonprofit path to become debt-free

Alejandro’s steady plan near Las Colinas

Alejandro works nights at a warehouse near DFW Airport and days slowed in the winter. Two cards carried groceries and gas, and a payday loan covered a brake job. By spring, minimums and fees were eating each paycheck.

A Money Fit counselor synced a single monthly draft to his night-shift pay cycle so he wouldn’t get caught between checks. Instead of juggling four due dates, Alejandro consolidated eligible debts into one payment. Proposals requested reduced rates and waived fees through a Debt Management Plan.

After two statements, the guesswork was gone. Fewer fees and lower interest meant more money hit principal, and the payday balance disappeared. Walking the canal paths in Las Colinas on off days felt lighter with a clear payoff date ahead.

*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 Irving

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 Irving and surrounding Dallas County communities under Texas OCCC registration #125643.