Free, Confidential Debt Review
Review Your Debt Options
Start with a free conversation about your budget and unsecured debts. A certified Money Fit counselor will help you understand practical next steps, and you decide how to proceed.
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Save more than $250 per month on average*
Clients who enroll in a Money Fit debt management plan reduce their total monthly debt payments by more than $250 on average.
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One monthly payment and a faster payoff path
If a plan fits, eligible debts can be organized into one payment with a structured path toward paying balances in full.
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Clear guidance and greater peace of mind
Understand the numbers, compare realistic options, and choose your next step without pressure.
*Based on Money Fit client enrollment data. Individual payment changes and results vary.
Debt Management Plans and Major Creditors
If counseling shows that a debt management plan fits, Money Fit can work with many major credit card issuers and unsecured creditors to organize eligible accounts into one monthly payment.
The logos shown are examples, not a complete list or an endorsement. Participation and available terms depend on the creditor and account.
Starting online begins a review—not an enrollment
The short form gives Money Fit enough information to connect you with the right counselor. Your counselor will review your budget, debts, and goals before discussing possible next steps.
Credit counseling is available at no cost. If a debt management plan is one of your options, the proposed payment, participating accounts, and any fees are explained before you decide.
What happens after you submit the form
The process is designed to move from a few basic details to a clear, informed decision.
A counselor follows up
A Money Fit counselor contacts you to confirm your information and learn what kind of help you are looking for.
You review the full picture
Together, you look at income, essential expenses, balances, minimum payments, account status, and financial goals.
You compare the options
Your counselor explains practical next steps. You decide whether to proceed with any recommendation.
Understand the plan before you commit to it
Debt options can look similar until the payment, timeline, fees, creditor terms, and effect on your household budget are placed side by side.
Your counselor helps make those differences clear so you can choose a next step based on the full picture—not pressure or guesswork.
What helps your counselor understand your situation
Exact figures are not required to submit the short form. When you speak with a counselor, having a few recent numbers nearby can make the review more useful.
- Approximate monthly take-home income
- Essential household and living expenses
- Recent debt balances and minimum payments
- Any past-due, collection, or hardship notices
Debts Money Fit can help you review
A counselor can help you understand several kinds of unsecured debt. Eligibility for a debt management plan depends on the account and creditor.
- Credit card debt
- Collection accounts
- Unsecured personal loans
- Medical bills
- Payday loans
- Other unsecured debts
Nonprofit counseling you can verify
Money Fit is operated by Debt Reduction Services, Inc., a member of the National Foundation for Credit Counseling and the Financial Counseling Association of America. Both organizations maintain public member listings for independent verification.
Review your options with Money Fit
Start with the short online form or call to speak with the Money Fit team. The initial credit counseling review is free.
Questions about getting started
Is Money Fit credit counseling free?
Yes. Money Fit provides the initial credit counseling review at no cost. If you choose to enroll in a debt management plan, applicable enrollment and monthly fees are explained before you decide.
Does submitting the form enroll me in a program?
No. Submitting the form requests a follow-up from Money Fit. You review your situation and available options with a counselor before deciding whether to take any additional step.
What happens when a counselor contacts me?
The counselor confirms your information, asks about your budget and debts, and helps you compare practical repayment options. The conversation is focused on understanding your situation before recommending a path.
What if a debt management plan is not right for me?
A debt management plan is only one possible outcome. Your counselor may discuss budgeting changes, self-directed repayment, creditor hardship options, consolidation considerations, or another appropriate resource.
Can Money Fit review more than credit card debt?
Yes. Money Fit can review credit cards, collection accounts, unsecured personal loans, medical bills, payday loans, and other unsecured debts. Program eligibility varies by account and creditor.
Explore your debt options
Learn more about counseling, structured repayment, and Money Fit before you decide what comes next.
