Kiss Credit Card Debt Goodbye.

- Save an avg of $250/month
- Make 1 monthly payment
- Get out of debt 7x faster

Get your plan

What to expect

  1. Step 1

    Tell us about you

    See your estimated savings and timeline after you share expenses, debts and income.

  2. Step 2

    Get a better plan

    We’ll send you a faster, more affordable plan with one monthly payment to reduce your credit card debt.

  3. Step 3

    Experience relief

    Enroll to stop creditor calls and start saving on your way to being debt free.

Get relief today
Real people. Real results.

“My stress was greatly reduced when MMI got involved and reduced by interest rates to 7%.

“My credit cards kept piling up due to high interest, but thanks to MMI I’ve saved over $36,000 in interest.”

MMI has multiple 5-star ratings
- Tiana M
Saved $36,000 | Paid off 8x faster | Credit Score +105 points
See how much you can save
Tiana M: MMI helped her budget better and now she can breathe again.
Real people. Real results.

“I was buried under high-interest debt with no end in sight. MMI stepped in, cutting down interest rates and reducing my payment timeline from decades to about 4 years.”

MMI has multiple 5-star ratings
- Darin W
Saved $57,000 | Paid off 8x faster | Credit Score +60 points
See how much you can save
Darin W: MMI helped him get unstuck and regain control of his finances.
Real people. Real results.

“I was on the verge of bankruptcy when MMI helped me lower rates and pay off $50,000. My credit score never went down and is now over 800.”

MMI has multiple 5-star ratings
- Joni K
Saved $28,000 | Paid off 5x faster | Credit Score +175 points
See how much you can save
Joni K: MMI helped her avoid bankruptcy and improve her credit.
Real people. Real results.

“I never thought I’d get rid of so many credit cards or pay them off, but I acknowledged my debt issue and MMI helped me achieve amazing results.”

MMI has multiple 5-star ratings
- Johnika N
Saved $97,000 | Paid off 10x faster | Credit Score +117 points
See how much you can save
Johnika N: She acknowledged her debt and improved her health.
Real people. Real results.

“I was over $60,000 in credit card debt and MMI helped lower my interest rates so I could actually pay my debts and make real progress.”

MMI has multiple 5-star ratings
- Cara C
Saved $67,000 | Paid off 9x faster | Credit Score +118 points
See how much you can save
Cara C: MMI changed the trajectory of her life.

We 'Do Debt Differently' at MMI

Get out of debt 7x faster

Get Out of Debt 7x Faster

With lower payments that put more toward balance, not interest.

Save hundreds on monthly interest

Save Hundreds on Monthly Interest

We work with creditors to get you lower rates and monthly payments.

One monthly payment

1 Monthly Payment

Simplify your finances with a single payment to manage your debt.

Boost your credit score by 80 points

Boost Your Credit Score by 80pts (avg)

So you can refocus your money where it matters most to you.

Everyone’s debt is different. So is our solution.

We take your debt personally. If we could wish it away, we would. Instead, we offer custom Debt Management and Debt Resolution plans tailored to your situation. When you’re overwhelmed from trying options that didn’t work, we help you find the right path forward.

Work with our experienced counselors to get a unique recommendation, complete with estimated savings and an updated timeline to repay your debt.

Explore solutions
Woman considering her options

An experienced, affordable, and trusted non-profit

We’re here for you - with transparency and outcomes you can trust. As a 501(c)(3) certified non-profit organization, we offer minimal fees so more of your money goes toward your expenses. Our goal is your success. And with 4.8 star reviews and a 91 net promoter score, you don’t have to take our word for it.

Trustpilot
Better Business Bureau A+ rating
Financial Counseling Association of America
Council on Accreditation

Our guarantee to you:

  • 100% confidential
  • No credit score requirements
  • No spam calls or emails
  • Certified counselors

You have questions. We have answers.

Understanding your finances and the options available to you is essential – but it’s not always clear where to start. Transparency and education is important to us, so here are some of the most commonly asked questions – and answers – about MMI debt solutions.

How will working with MMI impact my credit?

On average, debt management plan (DMP) clients see an 82 point improvement after completing their program. Your credit score may initially dip as your credit accounts are closed. Your score should improve as you make required monthly payments.

What costs and fees should I expect?

Our financial review is free. We may recommend a debt management plan, or DMP, which includes an initial set-up fee ($33-$75) and ongoing monthly fee ($25-$59). Average fees vary based on where you live and your debt level.

How soon will I be out of debt?

You could be debt-free in 24-48 months. Most DMPs are designed to be completed in five years or less. Reduced interest rates and easy single monthly payments allow you to get control of your debt much faster (7x faster!) than continuing to pay the minimum on your own.

What is a Debt Management Plan (DMP)?

A debt management plan is a structured debt repayment program that doesn't require a loan and is typically administered by a nonprofit credit counseling agency, such as MMI. A debt management starts with a review of your current debt and budget, and then works closely with creditors to reduce your interest rates and find a single monthly payment that fits your budget.

What is a Debt Resolution Plan (DRP)?

A debt resolution plan is similar to for-profit debt settlement, but we’re able to provide it at a lower cost. MMI negotiates with your creditors for a partial repayment of your debts. Once the agreed-upon payoff is completed, your debts are considered paid off. Because a DRP only requires a partial repayment of your outstanding debt, the monthly payment is smaller and more manageable than other debt repayment options.

Can I use a credit card while on a debt management plan?

Yes, you can keep one credit card account open, separate from your repayment plan, during your DMP. However, you'll want to limit the use of this card to avoid creating new debt during your program.

Other ways we can help

Financial pressures can build out of ordinary – and not so ordinary – circumstances. If you’re facing bankruptcy or recovering from a natural disaster, we can help.

MMI bankruptcy counseling services
Bankruptcy support
Required pre-filing and pre-discharge counseling and certificates.
Bankruptcy
MMI disaster recovery services
Disaster recovery support
MMI can help you understand options after a disaster impacts your home or job.
Disaster relief