Debt Help With Clear Guidance
Nonprofit guidance to simplify your options with clear steps and no-pressure support.
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Free confidential counseling
Talk with a certified nonprofit counselor about your current debts, monthly budget, and realistic next steps—no pressure or obligation.
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Clear options before deciding
Understand realistic paths for your specific situation with clear guidance and no obligation to enroll in any program.
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One monthly payment if it fits
Eligible debts may combine into one monthly payment through a nonprofit Debt Management Plan. No new loan required.
What happens next
- Share a few details.
- We review options that fit your budget.
- You decide what to do next.
Creditors We Commonly Work With
The Money Fit debt management program isn’t a new loan substituting your existing debts. We’re your ally, actively negotiating with your credit card companies to alleviate your financial burden.
What happens after you get started
This page is here to make the next step feel simple. You’ll see what to prepare, what happens after you submit the form, and where special programs may apply. No pressure.
Quick wins for today
- Create a simple budget snapshot: income, essentials, and current minimums. Your counselor will refine it with you.
- Pause nonessential subscriptions: cancel auto-renewals you don’t need right now.
- Gather recent statements: credit cards, collections, and loans. It speeds up your review.
- If possible, pause new charges: especially on high-interest accounts while we build your plan.
If credit cards are the main pressure point, our guide to managing credit card debt can help you sort options before you choose a next step.
What working with us looks like at a glance
A clear path from “stressed” to “structured,” centered on counseling first. No new loan required.
People with credit cards, collections, payday loans, or medical bills
Individuals and families who want one realistic plan and steady progress.
A plan and a guide
Personalized counseling, budgeting help, and (where it fits) a structured debt management plan.
Fast follow-up
Submit the form and we’ll reach out to schedule your next step. No pressure to enroll.
Phone or online, nationwide
Secure conversations and digital paperwork wherever you are.
Structure beats stress
One predictable payment (no new loan) plus tools and accountability to stay on track.
Consult → options → your decision
We map the numbers in plain English and you choose the path that fits.
Watch: How debt management plans work
A short overview of what to expect when you work with our nonprofit team.
How Money Fit helps
- Review your full picture and budget with a certified, nonprofit counselor.
- If appropriate, enroll eligible accounts into a Debt Management Plan (DMP) for one structured payment.
- We disburse payments to participating creditors and support you along the way.
- Tools for spending control, savings, and emergency planning.
Terms vary by creditor and client profile. A DMP isn’t a loan and participation is your choice.
Your options
- Personalized counseling and plan: one-on-one review of your numbers and goals with clear written next steps.
- Debt Management Plan (DMP): if it’s a fit, you make one monthly payment to Money Fit; we propose terms to participating creditors and disburse payments. No new loan.
- Budget coaching and tools: reduce spending leaks and build savings for stability.
- Coordinated referrals: if another specialist is the better path, we help connect you.
Special programs you may qualify for
Military and Veteran Debt Relief
Support for active duty, Guard/Reserve, veterans, and qualifying families.
What to expect after you submit
- A brief call to confirm details and your goals.
- A budget snapshot and clear next steps in writing.
- Time to decide without pressure.
Tools and education
Ready to take the next step?
If you’re ready, you can start online now or call and speak with a certified nonprofit counselor.
Last reviewed: January, 2026 | URL: /get-started/
