I’m in command of my debt, not the other way around.

Get debt relief now.

As your financial advocate, we make it easy and convenient.
We don’t turn anyone away.

Make an appointment for an in-person or phone financial review and counseling session with a nonprofit NFCC member agency now.

Get Started

I made the call.3

Taking permanent leave from debt!

My career after serving has been up and down. I’ve got expenses I never anticipated. I made the call that got me the help I needed to get out of my rut and back on track.

I’m in command of my debt, not the other way around.

I was a kid. Those early paychecks were like play money. Then, plastic entered my life and I just charged ahead. I made the call that got me the discipline I needed and a plan I could follow.

Yep! You’re looking at the new CO of personal finances!

Knowing that I was falling behind was bad enough. I knew if the collectors started calling, I could lose more than a few points on my credit score. I made the call that helped save my security clearance.

3Stories above represent a compilation of actual NFCC client experiences.

How we can help.1



bills into one smaller monthly payment.


Pay Off

your debt faster.



your money habits.



interest rates regardless of credit score.



collection calls.



late fees and over-limit charges.

1Results are not guaranteed.

Real results. Real relief.

Working with an NFCC® Certified Credit Counselor has already made the difference for thousands of consumers. Let us make a difference for you and how you feel about your money management skills.

Sharpen Your Financial Focus program participants report2 that…

now pay debt more consistently.

have improved their overall confidence.

are better at managing their money.

2The evaluation of the Sharpen Your Financial Focus program is being conducted by researchers at The Ohio State University.

Why choose us?

For over 60 years the NFCC and its member agencies have helped people just like you with their financial questions and concerns. It’s the kind of help that restores hope in your future.

Immediate relief

Debt-relief plans are straightforward and are put into action on your first meeting.


No one is turned away. You always know where you stand and who to call with questions.

Local to you

Nearly 600 NFCC member agency offices nationwide are staffed by NFCC Certified Credit Counselors.

Take control.

The National Foundation for Credit Counseling® (NFCC®) and its Sharpen Your Financial Focus initiative have joined forces with Wells Fargo to help you take control of your finances.

Hands on Banking® for Military

This financial education program, accessible through NFCC member agencies, helps focus and educate you on your most pressing financial issues. Hands on Banking for Military was specifically developed with Wells Fargo to address active members, veterans and their families’ unique needs at each stage of their careers. The program offers 10 individual modules across a range of topics—from banking basics to planning for retirement.

Additionally, you have access to all the components that comprise the Sharpen Your Financial Focus program, including the opportunity to:

  • Schedule a one-on-one financial review with a member agency near you.
  • Take MyMoneyCheckUp®, an online financial assessment tool.

Who is the NFCC?

We are the National Foundation for Credit Counseling (NFCC). Founded in 1951, the NFCC is the largest and longest-serving national nonprofit financial counseling organization in the United States.

NFCC members help millions of consumers like you through community-based offices serving all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

For more on the NFCC, visit www.NFCC.org

Thank you to our funders.

The Sharpen Your Financial Focus program is an initiative of the National Foundation for Credit Counseling (NFCC) in partnership with a broad cross-section of supporters. Together, we are committed to increasing the financial well-being of Americans. This initiative is partially funded by Bank of America, Chase, Synchrony Financial, Wells Fargo and other major financial institutions. We thank all funders and partners who make this program possible. For more information, visit www.SharpenToday.org



You’ve just taken the first step toward a better financial future.

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In the meantime, we invite you to learn more about our programs and how they are helping consumers like you.

Sharpen your Financial Focus Here