Maybe you have tried everything, but you are still having difficulty paying your bills on time. It may be time to speak to a professional credit counselor. Consumer credit counseling calls and sessions are confidential.


A credit counselor can help you deal with:

  • Financial responsibilities
  • Creditor calls
  • Pending consumer legal action against you
  • Purchasing a home
  • Bankruptcy
  • Repairing and rebuilding your credit
  • Reading credit reports
  • Getting back on the road to financial success


To contact a credit and debt counseling agency, visit and search for credit and debt counseling or contact the Association of Independent Consumer Credit Counseling Agencies (AICCCA) or National Foundation for Credit Counseling (NFCC). Be sure to choose a nonprofit organization.


If you are having trouble making your federal student loan payments, contact your servicer immediately to learn about your repayment options.