Debt isn’t the boss of me anymore!

Get debt relief now.

As a small business owner, having ready access to debt counseling
and financial coaching could be a true difference maker.

Contact an NFCC member agency now to reclaim your financial freedom. Keep your business on track by taking control of your personal and business finances.

Get Started

I made the call.3

Debt isn’t the boss of me anymore!

My debt was undermining the creditworthiness of my business, making it harder to access loans and credit to finance my business operations. My call to the NFCC was the start of a complete turnaround.

Growing the bottom line, not my debts!

When I first started working with an NFCC counselor, I was skeptical. But, I'm glad I stayed with it. For the first time ever, I had a financial coach to advise me on the fine points of managing my debt to align with my future growth goals.

Now I handle my debt like a boss!

By getting a better handle on my own finances, I've learned what it takes to stabilize and strengthen my business as well. After talking with the NFCC, I'm back in charge of my financial future, both on a personal level and as a small business owner.

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

We can help you.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®) offers its Sharpen Your Financial Focus program to help you take control of your finances.

Sharpen Your Financial Focus

This three-step program, available to you through an NFCC member agency, focuses you on your most pressing financial issues:

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

Learn More About Small Business Borrowing

After you have worked with your NFCC Certified Credit Counselor, reviewing both your personal and business needs, you will be well prepared to explore taking the next step. Make sure you check out additional business resources at, made available by our partners, Opportunity Finance Network and Sam's Club Giving.

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

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, Sam's Club Giving and other major financial institutions. We thank all funders and partners who make this program possible. For more information, visit