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MMI offers free budget and debt counseling to those who need help with budgeting, money management skills, and credit issues. Certified counselors take the time to thoroughly understand your situation and provide you with specific advice.
Budget and debt counseling is available 24 hours a day, 7 days a week by telephone and Internet. In-person budget and debt counseling is also available by appointment in select local markets.
You and your personal credit counselor will work together to:
All financial challenges - no matter how major or minor - have solutions. No matter what financial problems you’re dealing with, the most important thing to remember is that you’re not alone.
Gaining control of your credit usage problems is possible with our free money management counseling appointments, so you have nothing to lose by filling out an online credit counseling form or visiting the local MMI branch office location most convenient for you.
We recognize that consumers have options. So what separates MMI?
Each person’s financial situation is unique and so each counseling session is tailored to meet the specific needs of each consumer. A full credit and budget counseling session typically lasts 45-60 minutes, but don’t hesitate to call and speak to a counselor—even if you have only a few minutes to spare. Counselors are available 24 hours a day, 7 days a week to answer questions.
No. There is no fee or obligation for credit counseling. If you decide to start a debt management plan, there will likely be a one time set-up charge and a monthly fee for the cost of administering the plan.
Confidentiality is one of the fundamental benefits of our counseling services. Your participation in a counseling session is not reported to anyone unless otherwise disclosed or agreed to by you. We don’t report to the credit reporting agencies. If you choose to establish a debt management plan your counselor will request your permission to negotiate with your creditors on your behalf.
Begin immediately or schedule an appointment. Counseling is available 24 hours a day, 7 days a week by telephone so no matter where you live or what time of day it is, we’re here to help.
Self-guided counseling is available any time.
If you prefer to meet with a counselor face-to-face, we have branch offices across the country.
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The National Council of Higher Education Resources (NCHER) is the nation’s oldest and largest higher education finance trade association. NCHER’s membership includes state, nonprofit, and for-profit higher education service organizations, including lenders, servicers, guaranty agencies, collection agencies, financial literacy providers, and schools, interested and involved in increasing college access and success. It assists its members in shaping policies governing federal and private student loan and state grant programs on behalf of students, parents, borrowers, and families.
Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.
The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.
The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.
The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.