Understanding Credit Card Debt

Credit cards weighing you down?

NFCC-certified counselors can help:

Stop collection calls
Prevent additional late fees and interest
Negotiate with multiple creditors simultaneously
Improve your credit
Determine if a Debt Management Plan is right for you

Connect With a Counselor Today!

Or call 800-388-2227

(Low or no cost. No obligation.)

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Why trust NFCC-certified counselors?

70+ Years of Nonprofit Service

Have Met Highest Industry Standards

No Hidden Fees

Personalized Plans that Actually Work

Expert financial guidance, just a click away.

You’re not alone.

A Debt Management Plan (DMP) can simplify your payments, lower interest, and help you take back control.

What is credit card debt, and why is it considered unsecured?

Credit card debt is one of the most common forms of unsecured debt—which means it’s a type of loan that doesn’t require any collateral, like a car or home. While it can be easy to qualify for a credit card, failing to pay off the full balance each month can lead to growing debt due to high interest rates and additional fees.

How do people typically accumulate credit card debt?

Many individuals who seek help through credit counseling have accumulated debt across multiple credit cards and banking institutions. Without a clear repayment strategy, this kind of debt can quickly become overwhelming, especially when interest and fees continue to build.

How can the NFCC help with managing credit card debt?

Through the National Foundation for Credit Counseling (NFCC) and its nonprofit network of Member Agencies, you can connect with certified credit counselors who work directly with you and your lenders. Their goal is to help you understand your situation and explore personalized solutions to regain control of your finances.

What is a Debt Management Plan (DMP), and is it right for me?

One of the options a certified credit counselor may recommend is a Debt Management Plan (DMP). With a DMP, your counselor works with your lenders to potentially lower interest rates and provide other debt relief options. This structured plan may help you pay down debt faster and avoid additional fees—depending on your individual circumstances.

We’re Here to Answer Your Questions

How it works.

Connect with an NFCC-certified credit counselor for a confidential consultation
Participate in a one-on-one review of your financial goals and budget
Create a personalized financial action plan

Connect with a Counselor

Why others trust NFCC with their debt.

Your work and business vision have changed the trajectory of my life. You’ve impacted my legacy, how I walk, how I talk, how I live, parent and love. I am different. I am free.

Johnika Dreher

Client, NFCC Member Agency Money Management International

We realized that we had more expenses than income. My counselor helped me prioritize my expenses and informed me of options to handle my debt. She provided suggestions on how to balance our budget.

LeAnne

Apprisen Client

My daughter referred me! This program will help me pay off the debt faster and free up some money to start putting toward my retirement fund.

Deborah

InCharge Debt Solutions Client

I am only in the beginning stages but, so far, everything in my “plan” to financial stability seems to be going smoothly. I feel more prepared to handle my financial situation.

Jennifer

GreenPath Financial Wellness Client

Start Paying Off Your Debt Today!

Ready to get started? We’re here to help.
Call 800-388-2227 or fill out the form below.

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