Online Counseling

Our online counseling option allows you to go at your own pace, any time of day. Complete the entire online counseling session and you'll receive recommendations for next steps.

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Please complete the form below. Prefer to have us give you a call? Simply hit "Submit & Request a Call" after providing the required information and we'll reach out to you shortly.

* first name

* last name

* email address

It looks like we already have your email address in our system. Please log in here to access your account or contact us at 888.845.5669.

* address

address 2 (optional)

* Invalid Zipcode

* zip code

* Select a Phone Type

* phone (XXX-XXX-XXXX)

* Select Number of Dependents

* Do you share expenses or debt with a second participant that you would like to include in your counseling session?

Yes No

Please supply the following information for the second participant.

* first name

* last name

* email address

* I have read and agree to the Terms and Conditions for electronic communication

The services offered by MMI are confidential. Your personal information will never be released to any third party without your consent.

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Set Up Your Username and Password

Creating a MyMMI account allows you to save your progress and come back to your online counseling session when you're ready. Begin by selecting a username and unique password.

UPDATE PASSWORD

Use this form to update your password. All passwords must be eight characters and contain at least one number, one uppercase letter, and one special character: ! @ # $ % ^ & * ( )

* create username

Minimum of 6 characters (letters and numbers only)

* Username is already taken

* create password

Minimum of 8 characters with at least one uppercase letter, one number, and one of the following special characters: ! @ # $ % * (

* confirm password

current password

new password

Minimum of 8 characters with at least one uppercase letter, one number, and one of the following special characters: ! @ # $ % * (

re-enter new password

Set Up Your Security Questions

In case you forget your password, these security questions will allow you to quickly regain access to your account. Select your three questions and set your answers below.

UPDATE SECURITY QUESTIONS AND ANSWERS

To update your security questions and answers, please complete and submit the form below.

* select security question 1

* security answer 1

* select security question 2

* security answer 2

* select security question 3

* security answer 3

* MMI is dedicated to protecting the confidentiality and privacy of our clients. Click this box to confirm that you have been provided our Privacy Notice.

Prefer to talk to a counselor? Hit "Submit & Request a Call" at any point and we'll reach out to you.

At least one record for income and debt must be provided

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Monthly Income

For an accurate analysis of your situation we'll need to know your income. Be sure to include all sources of income.

Please fix validation errors before proceeding to next step

Employers: Salary & Wages
Employee	Employer	Pre-Tax Pay (Gross Income)	Take Home Pay (Net Income)	Frequency	Save Status	Actions
Employee:	Employer:	Pre-Tax Pay (Gross Income): $	Take Home Pay (Net Income): $	Frequency:	Save Status: {{row.SaveStatus}}	Delete Employer
Add Employer

Other Income
Type of Income	Take Home Pay (Net Income)	Frequency	Save Status	Actions
Type of Income:	Take Home Pay (Net Income): $	Frequency:	Save Status: {{row.SaveStatus}}	Delete Income
Add Other Income
Total Monthly Net Pay (Net Income) : ${{TotalIncome\| number : 2}}

Monthly Debt

Next, we'll need to capture all of your debts. You can complete this section by entering each debt manually one at a time or, with your authorization, we can pull all of your debts directly from your credit report.

Monthly Debt for {{Enrollment.PrimaryClient.FirstName}} {{Enrollment.PrimaryClient.LastName}}

Import Your Credit Report

Fast, safe, secure, and free! Save time and simply import all of your debts directly from your credit report. We can access the necessary creditor information by requesting a "soft pull" from the credit bureau, which has no negative impact on your credit score. To protect your identity, you’ll need to answer a few questions first.

Please fix validation errors before proceeding to next step

Creditors
Account/Creditor Name	Type	Account #	Balance	Interest Rate	Monthly Payment	Save Status	Actions
Account/Creditor Name:	Type:	Account #:	Balance: $	Interest Rate: %	Monthly Payment: $	Save Status: {{row.SaveStatus}} {{row.SaveStatus}}	Delete Creditor	**Creditors imported via credit report are not editable
Add Creditor		{{ClientDebtStartNum()}} - {{ClientDebtEndNum()}} of {{ClientDebtTotalResults()}} {{n}}
Total Monthly Debt for {{Enrollment.PrimaryClient.FirstName}} {{Enrollment.PrimaryClient.LastName}}: ${{GetTotalCLientDebtPayment() \| number : 2}}
**Creditors imported via credit report are not editable

Monthly Debt for {{Enrollment.CoClient.FirstName}} {{Enrollment.CoClient.LastName}}

Import Credit Report

Creditors
Account/Creditor Name	Type	Account #	Balance	Interest Rate	Monthly Payment	Save Status	Actions
Account/Creditor Name:	Type:	Account #:	Balance: $	Interest Rate: %	Monthly Payment: $	Save Status: {{row.SaveStatus}}	Delete Creditor	**Creditors imported via credit report are not editable
Add Creditor		{{CoClientDebtStartNum()}} - {{CoClientDebtEndNum()}} of {{CoClientDebtTotalResults()}} {{n}}
Total Monthly Debt for {{Enrollment.CoClient.FirstName}} {{Enrollment.CoClient.LastName}}: ${{GetTotalCoCLientDebtPayment() \| number : 2}}
**Creditors imported via credit report are not editable

Other Monthly Expenses

Please input all of your regular expenses (minus your credit card and loan payments), including your fixed expenses (such as rent, insurance, subscriptions, etc.) and your variable expenses (such as food and utilities). Don't forget to include irregular expenses, such as gift giving and annual registration fees.

Please fix validation errors before proceeding to next step

Expenses
Description	Frequency	Payment Amount	Save Status	Actions
Description:	Frequency:	Payment Amount: $	Save Status: {{row.SaveStatus}}	Delete Expense
Add Expense		{{ExpenseStartNum()}} - {{ExpenseEndNum()}} of {{ExpenseTotalResults()}} {{n}}
Total Monthly Expense : ${{TotalExpense\| number : 2}}

Please add income information below in order to continue your online counseling session. Please add debt information below in order to continue online counseling session.

Basic Information Edit

{{Enrollment.PrimaryClient.FirstName}} {{Enrollment.PrimaryClient.LastName}}
Email Address:	{{Enrollment.PrimaryClient.Email}}
Primary Phone:	{{Enrollment.Phone.Number}}
Address:	{{Enrollment.Address.Address1}} {{Enrollment.Address.Address2}} {{Enrollment.Address.City}}, {{Enrollment.Address.State}} {{Enrollment.Address.ZipCode}}
Number of Dependents:	{{Enrollment.NumDependents}}
{{Enrollment.CoClient.FirstName}} {{Enrollment.CoClient.LastName}}
Email Address:	{{Enrollment.CoClient.Email}}

Registration Edit

Username:	{{Registration.UserName}}
Password:	**************
Security Question 1:	{{Registration.SecurityQuestion1.Text}}
Answer:	{{Registration.SecurityAnswer1}}
Security Question 2:	{{Registration.SecurityQuestion2.Text}}
Answer:	{{Registration.SecurityAnswer2}}
Security Question 3:	{{Registration.SecurityQuestion3.Text}}
Answer:	{{Registration.SecurityAnswer3}}

Monthly Income Edit

Employment (Salary & Wages):	{{TotalEmployerIncome \| number : 2 }}
Other Income:	{{TotalOtherIncome \| number : 2}}
Total Monthly Income:	{{TotalIncome \| number : 2}}

Did you forget something? We'll need to get information about your income in order to proceed.

Monthly Debt for {{Enrollment.PrimaryClient.FirstName}} {{Enrollment.PrimaryClient.LastName}} Edit

Creditor Name	Balance	Monthly Payment
{{row.Name}}	Balance:	{{row.Balance \| number : 2}}	Monthly Payment:	{{row.MonthlyPayment \| number : 2}}
Monthly Debt Payments for {{Enrollment.PrimaryClient.FirstName}} {{Enrollment.PrimaryClient.LastName}}:		{{TotalClientDebtPayment \| number : 2}}

Did you forget something? We'll need to get information about your debt in order to proceed.

Monthly Debt for {{Enrollment.CoClient.FirstName}} {{Enrollment.CoClient.LastName}} Edit

Creditor Name	Balance	Monthly Payment
{{row.Name}}	Balance:	{{row.Balance \| number : 2}}	Monthly Payment:	{{row.MonthlyPayment \| number : 2}}
Monthly Debt Payments for {{Enrollment.CoClient.FirstName}} {{Enrollment.CoClient.LastName}}:		{{TotalCoClientDebtPayment \| number : 2}}

Did you forget something? We'll need to get information about your debt in order to proceed.

Monthly Expenses Edit

Expense Description	Monthly Payment
{{row.SelectedExpense.Description}}	Monthly Payment:	{{row.Amount \| number : 2}}
Total Monthly Expenses:	{{TotalExpense \| number : 2}}

Did you forget something? The highlighted field above is usually filled out by most users. If you missed it by accident, you can click “Edit” and complete the form. If you left it blank intentionally that’s okay, too!

Monthly Balance

Total Monthly Income:	{{TotalIncome\| number : 2}}
Total Monthly Debt:	{{TotalDebtPayment() \| number : 2}}
Total Monthly Expenses:	{{TotalExpense \| number : 2}}
Total Monthly Balance	{{TotalBalance() \| number : 2}}

It looks like you are spending more money than you are making. Double-check to make sure that your income and expense information is accurate.

Everything looks good? Great! Click to submit and we can start thinking about next steps for you and your financial goals.

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* Required Fields

* first name

* last name

* address

address 2 (optional)

* zip code

* birth month

* birth Year

Proceed to Identity Verification

Please click 'Next' when ready to continue.

In order to validate your identity, MMI will share the information you entered with IDology ©, a confidential vendor who conducts a verification process. However, your report is not actually pulled, stored, or viewed by MMI until you complete and select finish. By clicking the NEXT button you indicate that you understand this.

By clicking "Next" you are indicating that you understand that your personal information will be shared with IDology for the purpose of verifying your identity.

Cancel Next

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Your identity has been confirmed!

We could not confirm your identity!

Next Steps: Click "Finish & Import" to import data from your credit report.

Next Steps: We were not able to verify the information you provided. In order to complete your counseling you will need to enter your debt information manually. If you would like to speak to a counselor please give us a call at 889.916.9723.

Under the Fair Credit Reporting Act any person who knowingly and willfully obtains credit Under the Fair Credit Reporting Act any person who knowingly and willfully obtains credit information from a consumer reporting agency under false pretenses or violates any of the provisions of the FCRA may be liable for a civil penalty or not more than $2,500 per violation. I certify that I am the person named above and that I am submitting this authorization to receive my consumer credit report for my personal use in completing my debt information.

Depending on your connection speed, the import process may take a few moments.

Finish & Import

Finish

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.