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What is Credit Counseling and How Does It Work?

We all can become overwhelmed with debt at times, especially credit card debt. And it’s no surprise when you consider the average American household owes more than $15,000 in credit card debt alone. That’s a pretty hefty amount when you add those bills to the other daily living expenses, like groceries, mortgage, car payments and kids. The list goes on and on.

So how can you take control and secure a financially stable future? Your answer might lie in credit counseling.

What is Credit Counseling?

Credit counseling is a service that pairs you with a certified credit counselor to help you stabilize your finances. This process starts by reviewing your income, spending and debt. This will include your unsecured debt (credit cards, medical bills, personal loans), secured debt (mortgages and car loans) and household expenses (groceries, internet, cable, utilities). After this review, they will create a balanced budget that works best for your personal financial situation.

Why Should I Do It?

If you are struggling with credit card debt, you’re not alone, and that’s exactly why credit counselors exist. Learning a new way to budget and live within your means is an issue that most Americans struggle with. Credit counselors can teach you new, healthy spending habits, which will lead you to a more financially stable future. Contrary to popular belief, budgeting isn’t as painful as it sounds. Depending on your debt, it could be as simple as scaling back your daily coffee visits to once a week. (FYI: if you are spending six dollars a day on coffee, that amounts to over $2,000 a year.) Plus, it’s free!

What Should I Except?

If you decide credit counseling is right for you, be prepared to face your finances, more specifically your poor spending habits. Credit counseling offers you the chance to review your financial situation with a clear, unbiased perspective. Your counselor with review your current income, spending habits, budget and future goals. Then she or he will discuss the best ways to move forward.

Want to learn more? Contact one of our credit counselors to discuss your options.

Consumer Credit Counseling

Choosing a Credit Counseling Agency

Benefits of Non-Profit Counseling

What Should You Expect?


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