Managing debt feels overwhelming for many people, and figuring out where to start can be the hardest part. Thankfully, there are nonprofit organizations dedicated to helping individuals get back on their feet—with no judgment and often at little to no cost. These companies provide expert resources like free credit counseling, practical debt management plans, and financial education to set you free financially. Seeking out professional help can make all the difference, and here are five trusted organizations that can help you get started.

1. Trinity Debt Management

Trinity Debt Management is a nonprofit credit counseling agency with a mission to help individuals and families gain control of their finances and ultimately become debt-free.

What They Offer:

  • Free Credit Counseling: Trinity’s certified counselors provide a free personalized debt analysis to assess your financial situation.
  • Debt Management Plans: They negotiate with your creditors to lower interest rates and reduce fees, helping you consolidate payments into one manageable monthly amount.
  • Financial Education: The organization emphasizes teaching clients money management skills for long-term success, offering resources like budget planning tools and guides.

Trinity’s compassionate approach and expert guidance have helped thousands of people save money on interest and become debt-free within 3-5 years.

2. Money Fit

Money Fit by DRS is another nonprofit organization focused on helping people break free from debt and achieve financial stability. Their counselors aim to guide clients through a stress-free debt repayment process tailored to their unique needs.

What They Offer:

  • Personalized Debt Relief Plans: Money Fit helps consolidate payments and often negotiates lower interest rates, ensuring you can pay back your debt efficiently.
  • Judgment-Free Counseling: Whether your debt is from credit cards, medical bills, or payday loans, their counselors provide supportive, tailored solutions.
  • Financial Education: They offer an array of resources like financial wellness workshops, money management blogs, and even scholarships to promote financial literacy.

Clients report reduced stress and newfound empowerment from Money Fit’s understanding and encouraging approach to debt management.

3. InCharge Debt Solutions

With over two decades of experience, InCharge Debt Solutions is a nonprofit dedicated to helping people create manageable debt repayment plans. They’re known for their straightforward, client-first approach.

What They Offer:

  • Nonprofit Debt Consolidation: They combine all credit card debt into a single monthly payment with lower interest rates, often negotiated to around 8%.
  • Free Financial Advice: Certified credit counselors work with you to assess your income and expenses, helping you develop a feasible budget and repayment plan.
  • Online Tools and Resources: Their website provides calculators, guides, and educational materials to build your financial knowledge.

If you’re struggling to make monthly payments, this service can help ease the burden by simplifying and reducing what you owe.

4. National Foundation for Credit Counseling (NFCC)

NFCC is a well-established nonprofit organization that connects individuals with certified credit counseling agencies across the country. Their focus is on accessible and effective debt relief solutions.

What They Offer:

  • Free Budget Assessments: NFCC’s network provides no-cost consultations to review your financial situation and identify next steps.
  • Debt Management Programs: Through its member agencies, NFCC can help you create plans to reduce interest rates and late fees while consolidating payments.
  • Bankruptcy Counseling: For those considering bankruptcy, NFCC offers guidance on whether it’s the right option and provides mandatory pre-filing counseling services.

With a strong reputation and a national reach, NFCC is an excellent starting point for anyone seeking relief from overwhelming debts.

5. GreenPath Financial Wellness

GreenPath Financial Wellness is another trusted nonprofit organization offering a range of free and low-cost financial services to help clients tackle their debt.

What They Offer:

  • Debt Counseling: Personalized one-on-one counseling sessions to help evaluate your financial picture and provide actionable recommendations.
  • Debt Management Plans: GreenPath works directly with creditors to reduce interest rates and consolidate multiple payments into one monthly plan.
  • Housing and Bankruptcy Support: If you’re dealing with mortgage issues or considering bankruptcy, GreenPath’s counselors provide specific advice in these areas.
  • Educational Resources: They offer webinars, podcasts, and tools to improve financial literacy and prepare you for long-term financial health.

GreenPath is particularly praised for its empathetic approach and commitment to empowering its clients.

Debt can feel like a heavy weight holding you back, but you don’t have to face it alone. These nonprofit organizations are here to guide you with free or low-cost services, giving you the tools to regain control of your finances. Whether it’s free counseling, debt consolidation, or educational resources, reaching out is the first step—and one that can make a life-changing difference.