Happy mother and daughter.

Your path to debt freedom starts right here. Right now.

MMI will help you make your debt and credit goals a reality.

How it works

We get you on the path to your debt-free date in three easy steps:

  1. Create a secure online account and tell us about your debts, income, and expenses. You can save your work and complete it on your schedule. We can even pull some data from your credit report to save you time. The entire process is safe, secure, confidential, and convenient.

  2. A counselor will analyze your information and provide money-saving recommendations, a personalized budget plan, and an estimated debt management plan (DMP) that includes monthly payment and total savings. Counselors are available by chat, email, and phone and can customize your plan beyond the initial estimate.

  3. If a debt management plan is right for you, MMI will negotiate with your creditors to reduce your interest rates and minimum monthly payments. On average, MMI DMP clients have a combined interest rate of approximately 7% (down from 24%) and pay off their debt in 4 years or less.

What do you need?

It’s helpful to have recent utility bills, credit card bills, bank statements, and any other monthly statements on hand. If you don’t have those you can give us your best estimation. The more accurate the information, the more we can help.

Let’s get started

Becoming debt-free isn’t impossible, though it may feel like it is. Partner with MMI on this journey and we can guide you every step of the way. The sooner you start, the faster you’ll reach the finish line. Let’s take the first step today.

  • Better Business Bureau A+ rating 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).
  • Candid GuideStar Gold Transparency level 2022 Candid
    MMI has achieved a Gold Seal of Transparency by Candid (formerly GuideStar), a leading source for insights on thousands of nonprofit organizations. For decades, Candid has provided data that powers hundreds of websites, programs, and applications related to philanthropic giving in order to help grantors make informed decisions.
  • Trustpilot Trustpilot
    MMI is rated as “Excellent” (4.9/5) 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.
  • Department of Housing and Urban Development - Equal Housing Opportunity 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 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 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.