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Free Budget Planning

Expert advice to help you make the most of your money and create a balanced budget.

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.

ReadY TO BEGIN? CLICK HERE TO TRY ONLINE COUNSELING

DEBT AND BUDGET COUNSELING
What does it do and how does it work?

Description
Credit counseling from MMI is a great way to step back and get expert analysis on your personal financial situation. No one wants to spend all of their time thinking and worrying about money. We don't want you to, either. That's why MMI offers 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.
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20170804T010240Z
Source Organization
Money Management International
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This Is What We Do
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This Is What We Do
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How credit counseling from MMI can help you
Transcript

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. 

Need a little more information?
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?
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.
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Is there a cost to use your services?
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.

Expand FAQ
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. 

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How do I begin?
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!
 
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How do I schedule an appointment with my local office?
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!

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They've been where you are today
  • 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! Anytime I called in, people answered my questions and gave me some insight and was really helpful in general.
  • 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. 
  • 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.
  • 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!
  • 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. Thank you so much for helping me learn this most important lesson.
  • 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.
  • 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.
We Value Your Time and Your Money
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.
  1. 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.
  2. 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.
  3. 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.
  • The Consumer Federation of America (CFA) is 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.
  • 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.