A Nonprofit Approach to Debt Relief
Take Charge America is a nonprofit credit counseling organization dedicated to helping individuals and families regain control of their finances through education, personalized guidance, and responsible debt repayment solutions. We don’t sell loans. We don’t pressure you into quick fixes. We help you understand your options and create a realistic plan for the future.
- Discover your savings potential with a free estimate
- Find out how fast you can eliminate debt
- See if you qualify for this opportunity
Debt Can Feel Overwhelming, But You’re Not Alone
Managing multiple creditors and mounting balances can feel impossible. Even when you’re trying your best, interest adds up, and stress can take over.
Take Charge America’s Nonprofit Debt Management Program Can Help
By working with your creditors and reviewing your eligibility, you may be able to:
Reduced interest rates through creditor agreements
Combine multiple debts into a single, manageable monthly payment.
Average repayment timelines of 3–5 years
Flexible, customizable payment dates
Benefits vary by creditor participation and individual circumstances.
What Sets Our Nonprofit Debt Counseling Apart
As a nonprofit organization, our focus is on education, transparency, and long-term financial well-being—not profit.
Credit Counseling
Our certified credit counselors review your income, expenses, and debt to help you understand your financial picture. Every session provides guidance to reduce stress, explore options, and set realistic next steps.
Debt Management Plans
Through nonprofit debt management, we work directly with creditors to lower interest rates, reduce fees, and create one manageable repayment plan. Clients often find this approach simplifies their payments and supports long-term financial stability.
Debt Consolidation
Structured repayment plans can combine multiple debts into a single, manageable monthly payment, often reducing overall interest costs and making it easier to stay on track.
Debt Settlement
We help clients responsibly repay debt while negotiating with creditors to reduce balances when possible. The program focuses on rebuilding financial confidence and creating a path toward stability.
Trusted by Millions Seeking Financial Stability
For decades, Take Charge America has helped individuals and families move forward with confidence through education, compassion, and support.
- DiscoverYour Savings Potential with a Free Estimate
- Find Out How FastYou Can Eliminate Debt
- See if you Qualify for this opportunity
Estimates based on historical data. Actual payment amounts and terms will vary based on the creditors enrolled and the plans consumers qualifies for.
About Take Charge America
A Nonprofit Credit Counseling You Can Trust
Take Charge America is a nonprofit credit counseling agency helping individuals and families regain control of their finances. For decades, we’ve provided free, confidential guidance and education to reduce debt, lower financial stress, and create clear, realistic paths forward — without loans or judgment.
Our certified counselors work one-on-one to review your finances, explain options, and offer personalized guidance based on your real needs—not sales quotas. As a nonprofit, our focus is education, support, and long-term financial stability.
Financial Education & Insights
Because long-term success starts with understanding money—not just managing debt.
10 Financial Milestones for Kids of All Ages
When it comes to teaching kids about money it can be hard to know where to start. Knowing the right time to introduce key concepts can help them retain the information and form the building blocks of understanding personal finances. Here s a breakdown of key financial milestones for kids and when to start talking about them from preschool to high school.
Learning to Wait Anyone who has ever been around toddlers knows patience doesn t come naturally to them. Teaching pre-school children they don t get everything they want when they want it is challenging but worth it. The concept of delayed gratification is one of the building blocks of understanding what it means to save money.
4 Things Millennials Can Give Up to Save for Retirement
When you re just starting out saving for retirement is the last thing on your mind. But those years fly by fast…
What You Need to Know Before
When you re just starting out saving for retirement is the last thing on your mind. But those years fly by fast…
5 DIY Skills to Help You Save Money
When you re just starting out saving for retirement is the last thing on your mind. But those years fly by fast…
Have Questions? We’re Here to Help
Is your credit counseling really free?
Yes. Our initial credit counseling sessions are confidential and free, giving you clarity on your finances without pressure.
How can Take Charge America help me with my debt?
We explain your options, including credit counseling, debt management, consolidation, and settlement, so you can make informed decisions for your situation.
Do I have to enroll in a program to get help?
No. You can access guidance and educational resources without enrolling in a repayment program.
- Sessions are free, confidential and no pressure to enroll.
- Personalized review of your situation
- No obligation
A Trusted Nonprofit Resource Recognized Nationwide
