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NFCC

NFCC

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Verified working Sep 20, 2026

A nonprofit route to certified counseling for debt and budgeting help.

NFCC connects people with certified counselors through its network of nonprofit credit counseling agencies. The site covers credit card debt, budgeting, homeownership, foreclosure prevention, student loans, bankruptcy guidance, and related financial challenges, with intake available online, by phone, or video chat.

Why it stands out

  • Long-running nonprofit network rather than a single for-profit debt-settlement company
  • Counselors are NFCC-certified and delivered through member agencies
  • Covers several adjacent financial issues beyond credit cards, including housing and student loans
  • Provides a one-on-one budget and goals review before recommending next steps
  • English and Spanish are both presented in the intake flow

Good to know

  • Submitting the form authorizes NFCC and member agencies or third parties to contact you by phone, email, or text.
  • Counseling is delivered through member agencies, so the exact agency and service experience may vary by location.
  • Debt management plans and other options depend on an individual financial review, not just the online debt estimate.
  • The page shows English and Spanish language choices; other language support is not indicated.

Under the radar: If you are not sure how much you owe, the debt estimate tool includes an “I don’t know” option, so you can still start the matching process without calculating every balance first.

Photos

Illustration for NFCC