Cheerful, smiling woman Cheerful, smiling woman

Debt repayment that fits your budget

Nonprofit solutions for everyday financial challenges

60+ Yearsserving clients

Debt repayment simplified

  • A debt management plan (DMP) is debt consolidation without a loan, with reduced creditor interest rates and a budget-friendly monthly payment.
  • Unlike debt settlement, creditors are paid every month, and debts are paid in full, helping to rebuild credit.
  • No credit requirements to begin; can be cancelled at any time. Ideal for anyone struggling to keep up with creditor payments.
  • Call today to begin your free, no-strings-attached financial review.

If balancing your finances feels like a game you just can't win, it may be time for a new approach. At MMI, we empower consumers to overcome their unique financial challenges through one-on-one counseling and effective debt repayment tools. 

Don't go it alone

Credit card debt can be hard to shake on your own. Let our trained team give you the support and guidance you need to master your monthly budget and shed debt in the process. How does it work?

It all starts by understanding your situation. Together we review your finances to see if a debt management plan makes sense for you.

We create a plan that suits you. Sometimes getting out of debt can be a steep hill to climb. But if you’re willing to work hard, we can give you a game plan that helps you keep living your life while making steady progress on your debt.

We work with your creditors. Most major creditors offer lower interest rates and other benefits for repaying through a DMP, making it much easier to get out of debt in a reasonable amount of time.

You make one payment a month. You make one payment to MMI every month, and we pay your creditors on your behalf. Most DMPs are completed in 3 to 5 years.

This could be the step that changes everything

You don't have to accept being financially uncomfortable. If your debt is a burden, do something about it!

It all begins with a free financial consultation with a certified credit counselor. Counselors are available 24 hours a day, seven days a week. Make the call and create a fresh start for yourself.

WE'RE HERE TO ANSWER YOUR QUESTIONS

Who is MMI?

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.
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.
Is this the same thing as a consolidation loan?

Is this the same thing as a consolidation loan?

A debt management plan is not a loan. You simply make a single payment each month which is dispersed to all your creditors. You will continue to receive monthly statements from each of your creditors.
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.

Are there fees associated with a DMP?

Are there fees associated with a DMP?

Yes. Most DMPs include an initial set-up fee, as well as a monthly fee, the amount of which is based on the size of your debt payments and your state of residence. We believe our fees are fair and in line with the value of the DMP. That fee gets you peace of mind, expert guidance, and – most importantly – huge savings. By the time your DMP is over and your debt is paid in full, the amount you’ve saved in reduced interest charges will greatly exceed the total cost of your fees. And remember, your DMP payments are factored into the new budget you’ll be given – if you can’t manage the payments, a DMP won’t be recommended for you.
Will you talk to my creditors?

Will you talk to my creditors?

All of our counseling sessions are completely confidential. We don’t report anything to credit bureaus, individual creditors, or other parties without permission. We will only contact your creditors if you decide to begin a DMP, in order to set up your repayment plan.
  • 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 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.