Welcome to MMI!

Don’t worry—you didn’t click the wrong link.

If you’ve reached this page, chances are good that you were trying to connect with a consumer credit counseling service (CCCS) that has since merged with Money Management International (MMI). As the largest nonprofit financial education and counseling organization in the United States, MMI represents the merger of over 30 regional and national agencies, the oldest of which dates back to 1958.

See a complete list of local agencies whose legacy continues on through MMI’s mission

Here to serve you

MMI is proud to provide a wide range of solutions to everyday financial challenges, from overwhelming credit card debt, to a delinquent mortgage, to recovering from natural disasters, and more.

We have representatives available 24/7 to take your call or answer your questions. We also offer an enormous selection of educational content right here on MoneyManagement.org.  

If you need help overcoming your challenges, our team is ready to serve.

See our full list of available services and programs


Listed below are some of the most common questions we get asked. If you can't find the answer to a question you have or you would like to know more details, please use the Contact Us page to submit your question.

Who is MMI?
Who is MMI?
MMI (Money Management International) is the nation's largest nonprofit credit counseling agency. For the last 60 years, our goal has been to change how America overcomes financial challenges. We empower families and individuals to reach their goals through financial coaching, innovative programs, and consumer advocacy.
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.

Are services available in Spanish?
Are services available in Spanish?
Services are available in English and Spanish. Additional languages are available via an interpreter service.
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!
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. 

Can you help me repair my credit?
Can you help me repair my credit?

MMI is not a credit repair service. We offer advice and educational materials to help you build a positive credit history. Following this advice may result in a significant improvement in your credit score over time.

Your success means everything to us
  • I'm beyond satisfied with the service I have received from MMI. Even though I was embarrassed about my situation, your reps never made me feel badly about myself and they made me feel confident that I would reach my goal. Thank you!
  • 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.
  • Great support for your financial management. Money Management helps to get your credit back on track.
  • I had over $24,000 in credit card debt and was paying over $900 per month and drowning. My adviser at MMI helped me lower the payment and come up with a plan that helped me get rid of that debt. It took just over 3 years, but I did it! I have NO credit cards and have managed to not incur any more debt, even at Christmas with four teenagers! My credit took a bit of a hit, but it bounced back and I have had a score over 800 for the last 2 years. It was a long road, and difficult at times. But I know for sure that I would still be paying off those credit cards if not for the help I got from MMI. My advice: just do it!
  • MMI customer service is amazing. They are very caring and helpful. We would recommend them to anyone who needs financial counseling.
  • Everyone that I have talked to has been wonderful thus far! This has been a very easy & pleasant experience. MMI has taken a big part of my stress away!! Thank you so much.
  • 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.
  • 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.