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Your Trusted Debt Counseling Partner
Money Management has been empowering individuals to achieve financial stability since 1951. As a 501(c)(3) nonprofit organization, we specialize in debt management plans, credit counseling, bankruptcy education, and specialized financial counseling services. Our team of certified professionals provides personalized guidance to help clients navigate debt challenges, improve credit health, and build long-term financial resilience. With nationwide branch offices and 24/7 telephone counseling, we serve over 2.5 million clients who have collectively repaid $10 billion in debt.Our HUD-certified housing counselors and NFCC-affiliated experts deliver tailored solutions including student loan management, disaster recovery planning, and reverse mortgage counseling. Backed by COA accreditation and an A+ BBB rating, we combine industry-leading expertise with compassionate support to deliver measurable financial outcomes.
Services
Debt Management Plans
Credit Counseling
Bankruptcy Counseling
Student Loan Counseling
Credit Report Review
Disaster Recovery Counseling
Homebuyer Counseling
Reverse Mortgage Counseling
Highlights and features
- Certified counselors available 24/7 for immediate assistance
- Proven track record with $10 billion in client debt repaid
- Specialized programs for bankruptcy alternatives and student loans
- HUD-certified housing counseling services nationwide
- A+ rating from Better Business Bureau since 1951
Associations and certifications
- Better Business Bureau
- Financial Counseling Association of America
- Council on Accreditation
- National Foundation for Credit Counseling
- U.S. Department of Housing and Urban Development
What people say
Immediate stress reduction
Certified counselors
Effective debt solutions
Personalized approach
Credit score improvement
Services
Debt Management Plans
Our Debt Management Plans help clients consolidate multiple debts into one affordable monthly payment. With potential interest rate reductions up to 75%, this solution accelerates debt repayment while protecting credit scores. Clients receive personalized budgeting guidance and creditor negotiation services.
Credit Counseling
Certified credit counselors provide comprehensive financial assessments and customized budgeting strategies. Services include debt prioritization guidance, expense reduction planning, and credit education to improve long-term financial health through sustainable habits.
Bankruptcy Counseling
HUD-certified counselors offer mandatory bankruptcy education courses and explore alternative debt solutions. We provide court-required credit counseling and debtor education certificates while helping clients understand all available financial options.
Credit Report Review
One-on-one credit report analysis identifies factors affecting credit scores and provides actionable improvement plans. Certified counselors explain report details, dispute errors, and create personalized strategies to build stronger credit profiles over time.
Student Loan Counseling
Specialized student loan counseling evaluates repayment options including income-driven plans and forgiveness programs. Counselors analyze individual loan portfolios to create sustainable repayment strategies aligned with clients' financial goals.
Questions
What debt relief options do you offer?
We provide Debt Management Plans, Debt Resolution Plans, credit counseling, and bankruptcy alternatives tailored to individual financial situations.
Are your services confidential?
Yes, all counseling sessions and client information remain strictly confidential with no reporting to creditors without consent.
How much does credit counseling cost?
Initial credit counseling sessions are free, with specialized services like credit report reviews available at no additional cost.
Can you help with student loan debt?
Our student loan counseling provides personalized repayment strategies, forgiveness program guidance, and budget integration solutions.
Do you offer in-person counseling?
We offer telephone counseling 24/7 and in-person appointments at branch offices across 19 states.
How quickly can I get out of debt?
Clients typically repay debt 7x faster through our programs, with average credit score improvements within 4 years.
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