Consumer distressed by her debt Consumer distressed by her debt

Repaying Credit Card Debt

Nonprofit tools and programs to help you break free from debt.

Kickstart your debt repayment

You're ready to get out of debt - and we can help make that happen.

The key to finally repaying your credit card debt is this: it needs to fit your budget and your life. When debt starts to balloon, things get out of balance and you find yourself forced to make difficult choices. "Do I fix my car, or do I pay my credit card bill?" "Do I pay my electric bill or make more than the minimum payment on my credit card bill?"

When the choice is between life and debt, debt comes in second every time. As it should! But then how do you ever get your arms around all the debt?


The debt management plan (or DMP) from MMI was created as an acknowledgement that good people sometimes experience hard times and the answer isn’t to make things even harder. Instead, wouldn’t it be in everyone’s best interests to make things a little easier? That’s what a DMP does – it makes repaying your debt easier. How?

  • Single, monthly consolidated payment
  • Plan designed to fit your budget
  • Reduced interest rate on most credit card accounts

A DMP helps make debt repayment simple and affordable for anyone feeling overwhelmed with credit card debt. 

If you're ready to start making real progress on your credit card debt, give us a call or complete a free online counseling session to see if a DMP is a good fit for you.


How a Debt Management Plan Works
Is one right for you?

Money Management International — This is what we do A strong organizational culture is important to us here at Money Management International (MMI), because culture guides everything we do — from helping our customers understand their finances, to the ways we inspire, respect and interact with one another. At MMI, we are more than the sum of our individual parts; we are a team of dedicated employees striving to provide help, hope and a fresh start for consumers in need. No matter their role, each MMI employee offers a unique skill and talent that supports our mission of improving lives through financial education.
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It all starts by understanding your situation. Together we review your finances to see if a DMP makes sense for you.

We create a plan that suits you. Sometimes getting out of debt can be a steep hill to climb. But if you’re willing to work hard, we can give you a game plan that helps you keep living your life while making steady progress on your debt.

We work with your creditors. Most major creditors offer lower interest rates and other benefits for repaying through a DMP, making it much easier to get out of debt in a reasonable amount of time.

You make one payment a month. You make one payment to MMI every month, and we pay your creditors on your behalf. Most DMPs are completed in less than five years.

Take control of your debt

Skeptical? That’s only natural. This is your money we’re talking about. It’s normal to be apprehensive and have some concerns. We promise to always be transparent and upfront about what’s happening and what it means. 

Will a DMP hurt my credit?
Will a DMP hurt my credit?

You may see a temporary dip in your credit score immediately after beginning your DMP. While there are no guarantees, on average, DMP clients have seen a 62 point improvement in the first two years.

Will you talk to my creditors?
Will you talk to my creditors?

All of our counseling sessions are completely confidential. We will only contact your creditors if you decide to begin a DMP, in order to set up your repayment plan. 

Are there fees associated with a DMP?
Are there fees associated with a DMP?

Yes. Most DMPs include an initial set-up fee, as well as a monthly fee, the amount of which is based on the size of your debt payments and your state of residence. However, you may be eligible for reduced or waived fees. Ask your counselor for more details.

Can you help me even if I've missed some payments?
Can you help me even if I've missed some payments?

You can still benefit from a debt management plan even if you've become delinquent on your credit card accounts. Depending on the creditor and the severity of the delinquency, your accounts may even be considered current after a certain number of DMP payments.   

Is this the same thing as a consolidation loan?
Is this the same thing as a consolidation loan?

A debt management plan is not a loan. You simply make a single payment each month which is dispersed to all your creditors. You will continue to receive monthly statements from each of your creditors. 

They've been where you are today
  • "This was a scary process for me. I had to admit I couldn't do it on my own anymore. Stacy was compassionate and understanding which helped me get with the program. I am looking forward to being in a much better place financially in just a few years."
  • "I was very iffy about consolidating my debt on a Debt Management Plan, but it was extremely simple and has relieved a lot of my stress about my bills in less then two months. On top of that, great customer service. My counselor was very nice and a great help. Thank you to the team at MMI!"
  • "I was hesitant to join a Debt Management Program and only made my situation worse by waiting so long. I am very happy I found MMI. Every person I have spoken to has been amazing!"
  • "My biggest fear was to be scammed and wind up in a worse condition, so I did some research and found that a well-known consumer advocate recommended this company and that was the main reason I chose them. I'm glad I did. This program should save me around $7000 and shortened the time to pay off the debt by about 19 months. I highly recommend MMI to anyone who is highly burdened with debt and not sure where to turn (as I was). I have been in their program for two years now and have another two years to go until my debt is paid in full. I started the program with 14 credit card accounts and over $30K in debt."
  • "I kept thinking it was a scam, even after signing up I was just waiting for the part where there were hidden fees or something. But there were none and I would recommend this company to others."
  • "Always there when I needed them. The time span that I was in the program went by really fast. It feels good to be free of owing these creditors any longer."
  • "I first contacted them feeling awful about my inability to make payments on my debts, and feeling guilty about having gotten myself into the situation; but they assured me that my story is a common one and that I am not an irresponsible person, but simply trying to deal with a very common dilemma. My life is less stressful now, and I appreciate them more than I can say."
  • "No long wait times on the phone. Everyone very knowledgeable and helpful. No surprises during my entire program. I was really worried about there being a catch or being taken advantage of but that was never the case. I couldn't have paid off all my debt without using this company. Thank you so much!"
  • "MMI helped to give me piece of mind when I was drowning in debt. I can't thank them enough for their help."
  • "I don't know how I would have successfully paid off my debt without Money Management International. They broke it down and made it simple for me when I felt overwhelmed."
Nonprofit solutions that work

You’re faced with a lot of options when it comes to repaying credit card debt. Taking action and putting your faith in someone else to help you deal with something as personal as unmanageable debt is no small thing. So why go with MMI?

  1. Value
    It’s not just about getting out of debt – it’s about saving you money in the process. Most clients experience significant savings over the course of a DMP.
  2. Expertise
    We know money management – it’s right there in the name. We have 60 years of experience providing financial counseling and advice. Our counselors are trained experts. A DMP can help you get out of debt; our expertise can help you stay out of debt.
  3. Speed
    When you’re ready to go, so are we. You can begin the process any time. Counselors are available by telephone 24/7 and our online counseling is always available. Questions? Problems? Answers and assistance are just a phone call or an email away.
Alicia, an MMI counselor
Don’t forget – debt and budget counseling is always free and you’re under no obligation to use any of our other services, including debt management plan. Let our counselors give you an estimated repayment forecast and you can decide if a DMP is right for you. If you’re unhappy or unsatisfied for any reason, you can cancel at any time.
  • MMI is proud to have achieved an A+ rating from the Better Business Bureau (BBB), a nonprofit organization focused on promoting and improving marketplace trust. The BBB investigates charges of fraud against both consumers and businesses, sets standards for truthfulness in advertising, and evaluates the trustworthiness of businesses and charities, providing a score from A+ (highest) to F (lowest).
  • MMI is rated as “Excellent” (4.8/5) by reviewers on Trustpilot, a global, online consumer review platform dedicated to openness and transparency. Since 2007, Trustpilot has received over 116 million customer reviews for nearly 500,000 different websites and businesses. See what others are saying about the work we do.
  • MMI is a member of the Consumer Federation of America (CFA), an association of nonprofit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. Today, nearly 300 of these groups participate in the federation and govern it through their representatives on the organization's Board of Directors.
  • MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
  • MMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA’s thorough, peer-reviewed accreditation process is designed to ensure that organizations like MMI are providing the highest standard of service and support for clients and employees alike.
  • MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.