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 is overwhelming. Interest adds up even when you’re trying your best. You shouldn’t have to figure this out alone.
Millions of Americans struggle with credit card debt. Avoidance, stress and uncertainty are common, but taking the first step toward support can restore a sense of clarity and control.
Here’s how Take Charge America’s credit counseling program helps...
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.
Our Services
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.
Real People. Real Relief.
What clients say about working with Take Charge America.
- 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 consumer 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.
5 Questions to Ask Yourself Before Making a Purchase
5 Questions to Ask Yourself Before Making a Purchase
Life After Debt: Money Moves to Make When You Become Debt Free
Six Strategies for Paying Off Credit Card Debt
Credit Counseling Frequently Asked Questions
Is Take Charge America a nonprofit?
Yes. Take Charge America is a nonprofit organization dedicated to helping people improve their financial well-being through education, counseling, and debt management solutions.
Is your credit counseling 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 and consolidation, 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.
What happens during a credit counseling session?
You’ll speak one-on-one with a certified counselor who reviews your income, expenses, and debts. From there, you’ll receive personalized recommendations and a clear plan for the future. There is no pressure to enroll in anything.
Will using your services affect my credit score?
Credit counseling itself does not impact your credit score. If you choose to enroll in a debt management program, there may be a temporary impact, but many clients see long-term improvement as they pay down debt.
- Sessions are free, confidential and no pressure to enroll.
- Personalized review of your situation
- No obligation
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