Control over debt feels a lot like this!

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.

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I made the call.3

Less debt, more me and you time.

The hole was so deep after I lost my job; I almost sent my kids to live with relatives. Instead, I made the call to the NFCC. Now I have a plan I can afford that kept my family together.

Kicked that annoying debt to the curb!

My debt got so bad that I could barely look my kids in the eyes. I wanted more for them and for me, but I needed help. I made the call that gave me control. Now, I’m able to plan for their future and mine.

Yep! You’re looking at this household’s new CFO!

No matter how I scrimped, we couldn’t get out from under the bills. I made the call to the NFCC, and we now have a plan that lets us repay the debt. Today, we are even putting some money aside for retirement.

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.

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



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

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A representative from this NFCC member agency will contact you to schedule an appointment.

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