Free Budget Planning & Counseling

not enough money to go around

There are a million reasons why money sometimes becomes a struggle. It may be because of sickness, unemployment, a major unexpected expense, divorce, or a simple case of overspending.

Whatever the reason, when money becomes a struggle it has an enormous impact in almost every other area of our lives. It makes day-to-day living, planning, and spending exhausting. It makes our big picture goals - owning a home, saving enough for retirement - feel impossible.

But none of those things are impossible. We can show you how to make your goals a reality.

We provide clarity, calm, and a plan

No one wants to spend all of their time thinking and worrying about money. We don't want you to, either. That's why we offer FREE debt and budget counseling to anyone looking to get a better handle on their finances.

Our counselors understand what it feels like to be overwhelmed by financial obligations. They have the training and expertise necessary to objectively analyze your situation and provide meaningful suggestions, resources, and next steps.

If you know things need to change, but you're not exactly sure what the problem is, a debt and budget counseling session is a great way to step back, understand what's happening, and create a plan to get you where you want to be.

Is debt your top concern? We offer debt management plans to help you save money and get out of debt quickly. Learn more about how this debt relief option may be able to help solve your problems.

What does it do and how does it work?

Debt and budget counseling from MMI is a great way to step back and get expert analysis on your personal financial situation.Together we review your income, expenses, and debts in detail to create a complete picture of where your money is going. It's helpful to have your most recent bills and statements on hand.

Next we discuss your goals and long-term plans. We provide unbiased suggestions and resources designed to help you reach those goals.

Counseling generally takes about an hour to complete and is available online, over the phone, and in-person in select locations.

Reaching out for help is sometimes hard. We want to make sure you're comfortable and have all the answers you need before beginning a counseling session. Question not answered below? Click "Contact Us" above and submit your question via email.

Can you help again if I've used your services before?

Absolutely. We're here and available to help anyone trying to improve their life and their finances.

Is there a cost to use your services?

Most counseling and education is provided at no cost. We have a few select low-cost services and there are fees associated with using our debt management plan. However, you may be eligible for reduced or waived fees. Ask your counselor for more details.

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.

How do I begin?

Assistance is available 24 hours a day, seven days a week. Simply click here to get started or give us a call at 866-889-9347. We look forward to helping!

How do I schedule an appointment with my local office?

Office appointments are available by appointment. Please call 866-889-9347 to schedule an appointment. We look forward to meeting you!

"I was hesitant to deal with anyone related to my debt as I had heard so many horrible scam stories. I was referred to MMI from a friend who had already used them and gave them good reviews. They created a plan based on my finances and actually got my monthly bills reduced. It took me 5 years, but I am credit card debt-free!"

Adriana H.
"For the first time in almost four years my family can go on a well deserved debt-free vacation. I will be forever indebted with gratitude to MMI. Any one who cannot see their way out with credit card debt this is indeed the way to go."

Arlene T.
"Thank you for your help. I truly thought there was no way out of my debt. I was so desperate that I had considered ending my life. Thank you again & I will NOT return to a debt load that I cannot manage. Looking forward to retiring in a few years & plan to remain debt-free."

Cathy D.
"I had my doubts in the beginning, but as soon as I got on the phone with MMI I knew I made the right choice. Very easy to contact and the process is quick. I can't believe I am debt-free! Thank you so much MMI!"

Mercedes
"Prior to making my first phone call to MMI I was very skeptical, but after talking to the representative I knew that this is what I truly needed to do. It is definitely a life changing program and without the use of any credit cards you have to face the fact that if you can't afford something you save up for it or you just don t buy it."

Dianne F.
"I can't speak too highly of this excellent organization. Not only did they help me get out from under a distressing situation, they were encouraging, comforting, patient, and caring. They gave me the information I needed and always made sure all of my questions were answered."

Judith S.
"The experience with Money Management has been life changing for me. Everyone at MMI has been so helpful with whatever I had to talk to them about. I would definitely recommend MMI to anyone who needs help getting their financial life back on track."

Andrea M.

Your problems are important to us. As the largest nonprofit financial education and counseling organization in the United States, we take pride in being there for you when you need us most. Our values are evident in every client interaction.

Confidential

Your participation in any of our services is always confidential and won't be reported to any third party (including creditors and credit bureaus) without your permission.
Compassionate

We're passionate about helping, because we all know what it feels like to need help. Expect to always be treated with kindness and compassion.
Professional

We love what we do, but we take our work and your trust seriously. We pride ourselves on our expertise and professionalism.

Raymond, an MMI counselor

Don't forget - our Debt & Budget Counseling is always FREE and you're never under any obligation to use any of our other services.

Whatever next step you take, always remember that if you want things to change, they can. And if you need help figuring out how to make that happen, we're here and ready to assist you whenever you're ready to begin.

Call MMI to start your debt management plan.

Begin on the phone

Give us a call and we will walk you through the process.

866-889-9347

Start online counseling

See how much you can save by consolidating your debt with MMI.

Get started

Better Business Bureau

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).
Trustpilot

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.
Consumer Federation of America

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.
Department of Housing and Urban Development

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.
Council On Accreditation

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.
National Foundation for Credit Counseling

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.