Skip to Content

As of August 5,2024 we are upgrading our client portal to a new, user-friendly website that better fulfills our mission of helping consumers achieve self-reliance, financial stability and financial independence.

The upgraded design offers improved functionality, navigation, organization and usability. This portion of our website is designed to enhance the experience of our online community and provide helpful information in a simple, fast and efficient manner. We believe the site's improved usability will create an enhanced learning environment for our users.

Overwhelmed by Credit Card Debt?

A debt management plan may be the right solution for you!

Typical Benefits Include:
Consolidated monthly payment
Reduced interest rates
Waived late and over-limit fees
An end to
collection calls
3-5 year debt repayment average
Customizable payment date

Free Online Debt Solution

Get your finances back on track with a free, confidential credit counseling session to review your situation. You’ll receive a customized action plan that includes a personalized budget, credit report summary and debt relief options.

You can start the process online 24/7 and save your progress as you go.

Or connect with a certified counselor over the phone at 866-750-9633.

I agree to the Privacy Policy and the Terms & Conditions for communications.

Need to log back in?

In Their Words

by Wayne Thai
Nothing But Great Things to Say

I wish I could assign 10 stars. This company did so much for me. They kept my head above water daily for 4+ years. I have nothing but great things to say about them. If you need help. I’m certain they can help.

by Joan Braithwaite
It Worked For Me

I had credit card debt when I became unable to work and on social security it was hard.
Take Change America helped me with a plan I could manage.
It was what I needed, TCA is there for any questions and they did a great job.
I’m very satisfied. Thanks

by Kermit McCoy
Details Are Quite Simple

Details are quite simple changing my buying habits, paying my lowest bills as fast as possible without breaking my finances stability. Plus, keeping a positive flow in my different accounts.

by Allegra C.
We're Finally Recovering

This place is forthright, helpful, and will accomplish what you need if you find yourself in more debt than you know how to handle. They work by negotiating lower APRs, thereby giving you the tool to get out of the financial hole without the cons of bankruptcy.

by Wayne Thai
Nothing But Great Things to Say

I wish I could assign 10 stars. This company did so much for me. They kept my head above water daily for 4+ years. I have nothing but great things to say about them. If you need help. I’m certain they can help.

by Joan Braithwaite
It Worked For Me

I had credit card debt when I became unable to work and on social security it was hard.
Take Change America helped me with a plan I could manage.
It was what I needed, TCA is there for any questions and they did a great job.
I’m very satisfied. Thanks

by Kermit McCoy
Details Are Quite Simple

Details are quite simple changing my buying habits, paying my lowest bills as fast as possible without breaking my finances stability. Plus, keeping a positive flow in my different accounts.

by Allegra C.
We're Finally Recovering

This place is forthright, helpful, and will accomplish what you need if you find yourself in more debt than you know how to handle. They work by negotiating lower APRs, thereby giving you the tool to get out of the financial hole without the cons of bankruptcy.

by Wayne Thai
Nothing But Great Things to Say

I wish I could assign 10 stars. This company did so much for me. They kept my head above water daily for 4+ years. I have nothing but great things to say about them. If you need help. I’m certain they can help.

a woman and man holding hands

A Trustworthy Partner

Since 1987, we have helped more than 2 million people nationwide pay off and manage more than $6 billion in debt. We can help you, too!

Frequently Asked Questions About Debt Management Plans