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If you're married, but have separate debts you may wonder: can I consolidate my debts without my spouse? In most cases you can, but there are important exceptions.

Consolidating your debt through a consolidation loan or a debt management plan can be a helpful way to reduce your payments and your interest rates. But which is right for your situation?

Whether you’re trying to eliminate credit card debt, reduce interest charges, or create a realistic debt payoff plan, taking focused action now can help you save money in interest and get out of debt faster than you might think.

Let MMI's experts show you how to reduce debt, build savings, balance your budget, and much more. New articles added regularly. Sign up for our weekly newsletter to have articles delivered directly to your inbox.

MMI offers free budget and debt counseling to those who need help with budgeting, money management skills, and credit issues.

MMI is HUD-approved with experts in foreclosure prevention. Take action now and find your solution here with foreclosure counseling.

Increase your money IQ! MMI's free weekly newsletter delivers financial education and smart money tips directly into your inbox. Discover ways to reduce debt, cut costs, prepare for retirement, increase your income, and much, much more!

MMI is proud to present Project Porchlight, offering ongoing financial recovery counseling and personalized assistance for disaster survivors. If you're trying to pick up the pieces following a natural disaster, Porchlight can help get you back to normal.

Log in to your MyMMI account for access to your active debt management plan. Sign documents, manage deposits, update creditor balances, and more!

A variety of financial tools and calculators to make your life a easier.

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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.
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.
Financial Counseling Association of America

MMI is a proud member of the Financial Counseling Association of America (FCAA), a national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services.
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.