Debt
Management Program

Family Credit Management is one of the largest nonprofit debt management organizations in the country, and one of the most accountable. We're licensed by state banking departments across the U.S., ISO certified, audited annually, and hold an A+ rating with the BBB. Client funds are always held in dedicated trust accounts. Beyond credentials, what sets us apart is our people. Our counselors don't use scripts or work on commission. They listen, ask the right questions, and walk you through real options for your situation; no pressure, no gimmicks. See what our clients have to say, or get started with a free quote.

Speaking with a Credit and Debt Advisor, budget reviews, and credit guidance are always free. If you enroll in our Debt Management Program, fees are modest and sliding-scale. In 2025, the average monthly fee was $28, and the average one-time enrollment fee was $39. Both are included in your monthly payment.

Family Credit Management can help with most unsecured debts, including credit cards, medical bills, payday loans, personal loans, and collection accounts. Secured debts like mortgages and auto loans typically can't be included in a Debt Management Program, but we'll review your full situation and help you build a plan that accounts for everything.

A Debt Management Program through Family Credit Management consolidates your unsecured debts into one affordable monthly payment. We work with your creditors to lower or eliminate interest rates, stop late fees, and create a realistic payoff timeline. Most clients pay off their debt faster than they could on their own and with significantly less stress.

Yes, we absolutely can.

In many cases, yes, you have flexibility in choosing which unsecured debts to include in your Debt Management Program. Some creditors do require all of your accounts with them to be included in order to offer benefits like reduced interest rates, but many don't. Our counselors will walk you through what's possible with each creditor so you can make the decision that's right for your situation.

Yes, reducing interest rates and stopping fees is one of the primary benefits of a Family Credit Management Debt Management Program. We work with your creditors to lower rates, often to single digits, and eliminate ongoing late fees and over-limit charges. Every creditor is different, but we'll give you a clear picture of what concessions you can expect when you receive your free quote.

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Yes, in most cases. If you have an account you'd like to add, one you didn't list originally, or a new one, we can usually include it in your existing Family Credit Management plan. We'll confirm whether it qualifies and let you know how it would affect your monthly payment or timeline.

Most Family Credit Management clients complete their Debt Management Program in 3 to 5 years, depending on total debt, monthly payment amount, and creditor terms. You'll receive a clear timeline estimate upfront, and you can track your progress anytime through your online account. If you want to finish faster, we'll help you build a strategy to do that.