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The safest way to eliminate your unsecured debts.

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You can be debt-free in 4 years or less and save thousands in interest!

Stop paying high interest rates on your credit cards and other unsecured debts!

By consolidating your debts with Cambridge, you'll make just one simple monthly payment and we'll pay your creditors on your behalf. We work with nearly every major creditor who offer certain benefits to our clients that allow them to be debt-free in a fraction of the time it would take them on their own. Typical benefits include:

Reduced Interest Rates

Our typical clients' interest rates are reduced from an average of 22% down to just 8% (as low as 0%).

Lower Monthly Payments

The interest rate reductions that our clients enjoy result in an average monthly savings of 25% or more.

Fast Debt Repayment

All of the benefits we obtain for our clients help them eliminate their debts in an average of just 42 months or less.

Speak to one of our debt experts to get a FREE debt evaluation.

Find out how much you can save and how fast you can be debt-free!

All of Our Nonprofit Services

We're not just a debt management agency. We offer a full menu of nonprofit services to help you with a variety of financial issues you might be experiencing:


Credit counseling is a FREE service for consumers who are looking to find simple, safe ways out of debt. Our consumer credit counseling professionals are nationally certified debt experts who will perform an in-depth analysis of your financial situation to help identify ways for you to save money and get out of debt as quickly as possible.

Go to credit counseling


Our Debt Management Plan is a safe, effective way to responsibly pay your credit card debt. You'll make one simple payment every month and we'll pay your creditors, all while saving you time and money. Our clients see average interest rate reductions from 22% to 8%, reducing their monthly payments by around 25%.

Go to debt management plans


Cambridge is approved by the United States Department of Housing and Urban Development (HUD) to provide housing-related services throughout the country. Our HUD-Certified Housing Counselors offer a variety of services include foreclosure prevention, rental counseling, first-time homebuyer courses, and our Mortgage Ready program.

Go to housing counseling


Student loan debt has surpassed credit card debt and is now ranked #2 in terms of debts that Americans are holding, second only to mortgage debt. Our student loan counselors will review your entire financial profile, including your federal student loans, and work with you to find an affordable solution.

Go to student loan counseling


Our certified reverse mortgage (HECM) counselors are here to ensure that seniors who are interested in obtaining a reverse mortgage fully understand all aspects of the product so they can make an informed decision. Counseling is required for HECMs.

Go to reverse mortgage counseling


Cambridge is approved by the U.S. Justice Department’s EOUST to offer the educational courses required for consumers to file and complete a bankruptcy petition. Consumers must complete both the pre-filing credit counseling course and the post-filing debtor education course to get a certificate.

Go to bankruptcy counseling

Place your trust in Cambridge Credit Counseling.

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