Nonprofit counseling since 1996
Nonprofit help with debt, housing and student loans
Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit credit counseling agency. A certified counselor will look at your real numbers with you, explain every option, and help you decide what fits. The first session is free and there is nothing to buy.
Prefer to talk now?
800-857-2808- Counseling: Mon-Thu 8am-8pm, Fri 8am-5pm, Sat 10am-3pm ET
- Existing clients: Mon-Thu 8am-5pm, Fri 9am-5pm ET
Take Control of Your Debt
with a Debt Management Plan from Cambridge
One payment. Lower interest. Faster payoff. Expert guidance.
How it works
- 1
Free Budget Review
One-on-one counseling with a nationally certified credit counselor. We’ll review your income and expenses to fully understand your unique situation.
- 2
Customized Repayment Plan
We’ll provide options based on your budget and, if appropriate, enroll you in our Debt Management Plan that’s designed to safely and quickly eliminate your debt.
- 3
One Monthly Payment
Through our Debt Management Plan, we’ll consolidate your eligible unsecured debts into one simple monthly payment, sent to your creditors on your behalf.
- 4
Become Debt-Free Faster
With reduced interest rates, fewer fees and expert guidance, our clients are debt-free, typically in less than 4 years, without bankruptcy or risky debt settlement.
You make one payment each month to Cambridge. Cambridge divides it between the accounts on your plan and pays them. Creditors usually agree to reduce the interest rate, though that is their decision and not every account is included. Your accounts are closed while the plan runs.
Cambridge Debt Management Plan: Typical Client Benefits
- Interest paidOur typical client would have paid $44,676 in interest on their own, against $4,936 in interest and our fees on the plan
- Interest ratesCreditors cut them from 28.99% to 7% on average
- Monthly payment35.7% lower on average, or 31.1% after our fees
- Time to pay off38 months on average, against a 52-month plan
Cambridge Credit Counseling client data: 6,809 enrollments in the year to 30 June 2026, and 1,434 plan completions in 2025. Prepared by Brian Vosburgh, Director of DMP Operations, September 2026.
Your own result depends on your debts, your budget and what your creditors agree to.
Credit counseling is free, and there is no obligation to enroll. How a debt management plan works
What we help with
- Credit card and personal debt, including debt management plans
- Housing: first-time homebuyer courses, reverse mortgage counseling, and foreclosure help for Massachusetts, Connecticut, New York, Missouri and Kansas residents
- Student loans
- Bankruptcy counseling and debtor education courses
What Cambridge does
- Bankruptcy Counseling and Debtor Education at Cambridge Credit Counseling
- Credit Counseling from Cambridge Credit Counseling: What to Expect
- Debt Management Plans at Cambridge Credit Counseling Explained
- Foreclosure Counseling From Cambridge Credit Counseling: Act Now
- HUD-Approved Homebuyer Courses from Cambridge Credit Counseling
- HUD-Approved Housing Counseling from Cambridge Credit Counseling
- Rental Counseling: Visit HUD.gov to Find a Counselor
- Reverse Mortgage (HECM) Counseling from Cambridge Credit Counseling
- Student Loan Counseling from Cambridge Credit Counseling
Questions people ask most
- $20,000 in Card Debt? Cambridge Credit Counseling Explains Your Options
- About Cambridge Credit Counseling | Nonprofit Since 1996
- Avoid Credit Repair Scams: Tips From Cambridge Credit Counseling
- Bankruptcy Counseling Certificate: Cambridge Credit Counseling Explains
- Cambridge Credit Counseling: Verify Its Approvals and Facts
- Can a Charge-Off Be Removed From a Credit Report? | Cambridge Credit Counseling
- Can't Afford Credit Card Payments? Cambridge Credit Counseling Can Help
- Charge-Off vs. Collection Explained | Cambridge Credit Counseling
- Contact Cambridge Credit Counseling | Offices, Departments and Hours
- Corporate Officers and Board of Directors | Cambridge Credit Counseling
- Counselor Certifications and Agency Accreditations | Cambridge Credit Counseling
- Credit Card Application Traps to Watch For | Cambridge Credit Counseling
More
- Help in your state, covering 52 states and territories
- The counselors, and the certifications they hold
- The podcast, 73 episodes, all of them readable as text
- Frequently asked questions
- Guides, worksheets and newsletters, free to download
- Client reviews and videos
- Contact Cambridge: offices, departments and hours
A client tells their story
Watch the video from Nyland S.
One client's experience. Individual results vary, and nothing here is a promise of a particular outcome.
73 episodes of our own counselors answering real questions
Financial Wellness Today is Cambridge’s own podcast. Every episode is transcribed in full on this site, so you can read it instead of listening.
Who we are
- 501(c)(3) nonprofit
- BBB accredited since 1998, rated A+
- HUD-approved housing counseling agency
- ISO 9001 registered since 2001
- Member of the National Foundation for Credit Counseling
- Accredited to the Financial Counseling Association of America’s Code of Practice
- Approved by the US Department of Justice for bankruptcy courses
Approval by the U.S. Department of Justice Executive Office of United States Trustees does not endorse or assure the quality of our services.