--- title: "Cambridge Credit Counseling Services for Idaho Residents" description: "Cambridge Credit Counseling offers Idaho residents free credit counseling, debt management plans, and housing counseling. Debt settlement is not offered." url: https://www.cambridge-credit.org/debt-help-in-idaho publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-30 --- # Cambridge Credit Counseling Services for Idaho Residents Cambridge Credit Counseling Corp is a nonprofit agency offering free credit counseling, debt management plans, student loan counseling, housing counseling, reverse mortgage counseling, and bankruptcy counseling to Idaho residents. It is licensed in Idaho under a Collection Agency License, number CDC-4832, regulated by the Idaho Department of Finance. Debt settlement is not offered. ## Credit Counseling for Idaho Residents Cambridge Credit Counseling offers free credit counseling to people in Idaho. Sessions are provided at no cost, and counselors are certified through an ISO 9001 registered organization. Cambridge Credit Counseling is a nonprofit founded in 1996 and is a member of the National Foundation for Credit Counseling. ## Debt Management Plans in Idaho Idaho residents carrying unsecured debt can use a debt management plan through Cambridge Credit Counseling. A debt management plan consolidates unsecured debts into one monthly payment handled by Cambridge Credit Counseling. It is not a loan and does not involve borrowing new money. Almost all concessions such as lower interest rates or waived fees follow preset guidelines set by each creditor, not by Cambridge Credit Counseling. In some cases they can vary based on the level of hardship in the budget, and certain accounts may not be eligible for them. ## Housing Counseling for Idaho Homeowners Cambridge Credit Counseling is a HUD-approved housing counseling agency, and Idaho residents can use this service for first-time homebuyer courses. Homebuyers in Idaho who cannot make a 20 percent down payment are encouraged to speak with a HUD-approved counselor to find out whether they qualify for programs that support homeownership. ## Student Loan Counseling in Idaho Idaho residents dealing with student loan debt can receive student loan counseling as part of Cambridge Credit Counseling's services. ## Reverse Mortgage Counseling in Idaho Cambridge Credit Counseling provides reverse mortgage, or HECM, counseling to Idaho residents who want to understand this option before making a decision. ## Bankruptcy Counseling and Debtor Education in Idaho Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education certificates for Idaho residents. Bankruptcy counseling and debtor education each cost $50.00 per household per session and are available free or at a reduced rate based on ability to pay. The fee is per household, not per person, so a married couple filing together pays once. Households with income below 150 percent of the federal poverty guidelines for their household size are presumed eligible for a fee waiver. Households above that line may still qualify for a reduced fee if they can show a temporary financial hardship, such as a recent job loss or drop in income, unexpected medical costs, disability, separation or divorce, the death of a household wage earner, or another documented financial circumstance that significantly impacts the household's ability to pay. Waivers and reductions are assessed on the household's current income, expenses and overall financial condition, and Cambridge Credit Counseling will not refuse services to anyone due to inability to pay. Approval by the U.S. Department of Justice Executive Office of United States Trustees does not endorse or assure the quality of our services. ## Debt Settlement Is Not Offered in Idaho Cambridge Credit Counseling does not offer debt settlement to Idaho residents. Debt settlement means negotiating to pay less than the full balance owed and is a different service, typically offered by for-profit companies. Idaho residents looking for that type of service will need to look elsewhere. ## Idaho License Information Cambridge Credit Counseling Corp is licensed in Idaho under a Collection Agency License. The agency is regulated by the Idaho Department of Finance under license number CDC-4832. ## Contact Cambridge Credit Counseling from Idaho Idaho residents can call Cambridge Credit Counseling at 800-235-1407 to begin a free credit counseling session or to ask about any of the services listed above. ## Questions and answers ### Is credit counseling free for Idaho residents? Yes. Credit counseling sessions from Cambridge Credit Counseling are free of charge for Idaho residents. ### What is a debt management plan? A debt management plan combines unsecured debts into a single monthly payment managed by Cambridge Credit Counseling. It is not a loan, and any interest rate reductions or fee waivers follow preset guidelines set by each creditor. ### Does Cambridge Credit Counseling offer debt settlement in Idaho? No. Cambridge Credit Counseling does not provide debt settlement services in Idaho. It offers credit counseling and debt management plans instead, which are different services. ### What license does Cambridge Credit Counseling hold in Idaho? Cambridge Credit Counseling Corp holds a Collection Agency License, number CDC-4832, regulated by the Idaho Department of Finance. ## Sources - John Henle, Cambridge Credit Counseling, email of 24 September 2026; 28 CFR 58.21(b)(1) and 58.34(b)(1) (checked 2026-09-24) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - cambridge-credit.org credit counseling page: https://cambridge-credit.org/credit-counseling.html (checked 2026-08-03) - Gary Washington, Director of Bankruptcy Counseling, Cambridge Credit Counseling, by email 2 September 2026. (checked 2026-09-02) - Cambridge Credit Counseling: https://cambridge-credit.org/index.html (checked 2026-08-04) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - cambridge-credit.org about page: https://cambridge-credit.org/about.html (checked 2026-08-03) - NFCC Member Agencies register: https://www.nfcc.org/nfcc-member-agencies/ (checked 2026-08-28) - cambridge-credit.org housing counseling page: https://cambridge-credit.org/housing-counseling.html (checked 2026-08-03) - cambridge-credit.org bankruptcy page: https://cambridge-credit.org/bankruptcy-counseling.html (checked 2026-08-03) - cambridge-credit.org about page: https://cambridge-credit.org/about.html (checked 2026-08-03) - cambridge-credit.org contact page: https://cambridge-credit.org/contact.html (checked 2026-08-03) - Cambridge Credit Counseling: https://cambridge-credit.org/index.html (checked 2026-08-04) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.html (checked 2026-08-04) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - industry definition, NFCC: https://www.nfcc.org/resources/debt-management-plans/ (checked 2026-08-28) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.html (checked 2026-08-04) - Federal Trade Commission, How To Get Out of Debt: https://consumer.ftc.gov/articles/how-get-out-debt (checked 2026-09-18) - How To Get Out of Debt, Federal Trade Commission: https://consumer.ftc.gov/articles/how-get-out-debt (checked 2026-08-28) - CFPB consumer guidance: https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-credit-counseling-and-debt-settlement-debt-consolidation-or-credit-repair-en-1449/ (checked 2026-08-28) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.html (checked 2026-08-04) --- Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit credit counseling agency. Credit counseling is free. Talk to a counselor: 800-857-2808 | https://www.cambridge-credit.org/get-help Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit organization. Required disclosures and state licenses, the privacy notice and the terms are linked in the footer of every page.