Customized debt repayment plans from MMI

You’re committed to finding a solution to your debt. We’re committed to helping you get out of debt as quickly and affordably as possible.

How it works

1) Connect with our experts by using the chat icon below.

Our secure online chat allows you to quickly and safely share information about your situation. As a nonprofit 501(c)(3) organization we deliver help, not sales pitches.

2) Receive personalized advice and suggested next steps.

We’ll use the information you provide to suggest personalized recommendations, along with tips to accelerate your debt repayment and save you money in the process.

3) Discuss options and get your customized debt repayment plan.

After this event, our certified counselors can take your analysis a step further, gathering additional information to find ways to reduce expenses, lower payments, and get you started on a customized debt repayment plan.

Begin your chat session

Do debt differently with MMI

For over 60 years, MMI has helped consumers across the country change their lives through counseling, education, and effective debt repayment solutions.

With MMI, you can be out of debt:

7x faster than doing it alone
In as little as 24 months
With one, affordable monthly payment
While improving your credit score 80 points or more

Whether your debts are current, past due, or severely delinquent, we have customized plans to serve your needs.

Our mission is to help our clients overcome current and future challenges by giving them the education, tools, and support they need to make it happen. Judging by our results, you could say we’re succeeding.

Over 2.5 million people have been counseled by MMI

Over 2.5 million people counseled

Repaid $10 billion in debt

MMI DMP clients increase their credit score by an average of 82 points 4 years after they start a DMP.

Avg credit score increase 4 years after starting a DMP

Learn more about MMI and our services.

Who is MMI?

MMI (Money Management International) is the nation's largest nonprofit credit counseling agency. For over 60 years, our goal has been to change how America overcomes financial challenges through coaching, innovative programs, and consumer advocacy.

How does MMI save people money?

We work with creditors to negotiate reduced interest rates and consolidate your credit cards into one affordable monthly payment. The average interest rate for accounts on an MMI repayment plan in 2025 was 7.66%.

Do I qualify for a repayment plan?

There are no credit requirements to start a repayment plan with MMI. As long as a repayment plan is in your best interests and helps you get out of debt, you qualify!

What does it cost?

There’s no cost for completing a financial analysis or working with an MMI counselor. If you decide to start a debt management plan (DMP) with MMI you may be charged a one-time set-up fee (average $38, max $75) and a monthly fee (average $27, max $59).

Will you talk to my creditors?

Working with MMI is completely confidential. We’ll only contact your creditors if you decide to start a debt repayment plan with MMI.

We’re honored to have been given the opportunity to change the lives of so many Philadelphians for the better. But there’s always room for one more success story.

Check out these stories of people just like you who overcame huge amounts of debt and reached their goals with help from MMI.

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).
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.
Trustpilot

MMI is rated as “Excellent” 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

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.

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