Kelly Called Consolidated Credit and Paid Off Her Debt Faster

A debt management program cut Kelly’s total payments by 51%

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See How Much Time and Money You Could Save

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Get a clear picture of your spending vs. your income. Begin your online budget and financial analysis now by clicking the button above.

Our experts are here to help you understand your options and reach your goals. After you complete the easy-to-use online budget, one of our certified counselors will reach out to you and provide recommendations.

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How Consolidated Credit Helps People Get Debt-Free Faster

Step 1 icon

Receive a Free Debt Analysis from a Certified Credit Counselor

A counselor will review your budget to find a monthly payment you can afford. Our program reduces clients’ monthly payments by up to 50%, on average.

Step 2 icon

Reduce or Eliminate Interest Charges and Stop Penalties

Then we’ll work with your creditors to minimize interest and stop penalties, so you can save thousands as you get out of debt.

Step 3 icon

Become Debt-Free in Just 36-60 Payments, on Average

Most clients get out of debt in as little as three years, but it can be even faster. Kevin was debt-free in just two and a half years!

Kelly got out of debt faster even with lower payments…

Case Study

Kelly from Worcester, MA

“Consolidated Credit has turned my life around!!! With one last payment left, I will finally be debt free!! ”

Where she started:
  • Total unsecured debt: $21,094.00
  • Estimated interest charges: $11,897.64
  • Time to payoff: 12 years
  • Total monthly payments: $843.76
After DMP enrollment:
  • Average negotiated interest rate: 3.32%
  • Total interest charges: $1,347.91
  • Time to payoff: 4 years, 7 months
  • Total monthly payment: $408.00
Time Saved

7 years, 5 months

Monthly Savings


Interest Saved


Here’s what our clients say…


Rated 4.7 / 5 based on 9,031 reviews onTrustpilot
5 stars

Excellent service

All my dealings have been completed timely and Consolidated Credit had represented


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Helping me to get out of…

Helping me to get out of debt,with low payment. Thanks for your support 🙏🦋😊


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Great Customer Service!

So far everything is great. I had an issue but Consolidated Credit handle it in a…


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They are just helpful

They are just helpful, polite and seem to care about you

Sharon Ellis

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Professional and…

Professional and courteous representatives.


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CCS is a great Company!

CCS is a great Company! They are supportive, comforting and a big help in getting my…

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5 stars

Great Company so far

We are new with this company. So far the best thing is the way they keep in constant…


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Great Company

Great I would recommend this company


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The Agent was patient…

The Agent was patient and very helpful


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The consultant I spoke with, Jason, was extremely friendly and non-judgemental. The…


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Courtesy, they are very helpful, and they are very trained about the lenders process…


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Very nice and good.

Very helpful customer service. I’m lucky to have this access.


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Craig Mednick listened…

Craig Mednick listened very well and pleasantly as I described my situation. He then…

Viola Magsisi

5 stars


The team was extremely patient and supportive. They created an extremely manageable…


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How Consolidated Credit Helps People Get Debt-Free Faster

Consolidated Credit is one of the nation’s largest and oldest nonprofit credit counseling organizations. Our goal is to help people get out of debt as quickly as possible and save money while doing it. Our debt management program is proven to reduce clients’ payments by up to 50% and allows them to get debt-free in just 36-60 payments, on average. We work with creditors to reduce or eliminate interest charges and stop penalties, so clients save thousands as they get out of debt.