--- title: "Cambridge Credit Counseling Services for Indiana Residents" description: "Cambridge Credit Counseling, a licensed nonprofit agency, offers free credit counseling and other services to Indiana residents. See what is available." url: https://www.cambridge-credit.org/debt-help-in-indiana publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-30 --- # Cambridge Credit Counseling Services for Indiana Residents Cambridge Credit Counseling Corp is a nonprofit agency licensed in Indiana under a Debt Management License, regulated by the Indiana Department of Financial Institutions, license number 10720. Indiana residents can access free credit counseling, debt management plans, housing counseling, student loan counseling, reverse mortgage counseling, and bankruptcy counseling through Cambridge Credit Counseling. ## Credit Counseling and Debt Management Plans in Indiana Indiana residents can meet with a certified counselor for a free credit counseling session. Cambridge Credit Counseling counselors are certified and the agency is ISO 9001 registered. A debt management plan consolidates unsecured debts into one monthly payment administered by the counseling agency. It is not a loan and does not involve borrowing new money. Almost all concessions such as reduced 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 Indiana Homeowners Cambridge Credit Counseling is a HUD-approved housing counseling agency, and this service is available to Indiana residents. This includes first-time homebuyer education courses. Cambridge Credit Counseling also advises homebuyers who cannot afford a 20 percent down payment to speak with a HUD-approved housing counseling agency to see if they qualify for programs that help toward homeownership. A monthly mortgage payment typically includes principal, interest, taxes, and insurance, known as PITI, and often private mortgage insurance as well. ## Bankruptcy Counseling and Debtor Education in Indiana Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education, and both are available to Indiana 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. ## Student Loan and Reverse Mortgage Counseling in Indiana Indiana residents can also receive student loan counseling and reverse mortgage, or HECM, counseling through Cambridge Credit Counseling. These sessions help Indiana residents understand their options before making decisions about student loan repayment or a reverse mortgage. ## What Cambridge Credit Counseling Does Not Offer in Indiana Cambridge Credit Counseling does not provide debt settlement. Debt settlement means negotiating to pay less than the full balance owed, and it is a different service from credit counseling, typically offered by for-profit companies. Indiana residents working with Cambridge Credit Counseling receive credit counseling and debt management services instead. ## About Cambridge Credit Counseling Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit organization founded in 1996 and headquartered in Agawam, Massachusetts. It is a member of the National Foundation for Credit Counseling. Indiana residents who want to learn more about how Cambridge Credit Counseling can help can call 800-235-1407. ## How to Get Started in Indiana Indiana residents can call 800-235-1407 to speak with a certified counselor about a free credit counseling session. The counselor can explain which services fit a person's situation, whether that is a debt management plan, housing counseling, student loan counseling, reverse mortgage counseling, or bankruptcy counseling and debtor education. ## Questions and answers ### Is Cambridge Credit Counseling licensed to help Indiana residents? Yes. Cambridge Credit Counseling holds a Debt Management License, regulated by the Indiana Department of Financial Institutions, license number 10720. ### Does Cambridge Credit Counseling offer debt settlement to Indiana residents? No. Cambridge Credit Counseling does not offer debt settlement. Debt settlement negotiates to pay less than the full balance owed and is a different service, usually offered by for-profit companies. Cambridge Credit Counseling offers credit counseling and debt management plans instead. ### Is credit counseling free for Indiana residents? Yes. Credit counseling sessions at Cambridge Credit Counseling are free of charge for Indiana residents. ### Can Indiana residents get help with foreclosure or buying a first home? Yes. Cambridge Credit Counseling is a HUD-approved housing counseling agency and offers first-time homebuyer courses to Indiana residents. Cambridge Credit Counseling provides foreclosure help only to residents of Massachusetts, Connecticut, New York, Missouri and Kansas, so Indiana homeowners facing foreclosure can find a HUD-approved housing counselor in their area at HUD.gov. ## 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) - Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04) - cambridge-credit.org contact page: https://cambridge-credit.org/contact.html (checked 2026-08-03) - 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) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.html (checked 2026-08-04) - Mortgage Basics | Cambridge Credit: https://cambridge-credit.org/mortgage-basics.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) - 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) - industry definition, NFCC: https://www.nfcc.org/resources/debt-management-plans/ (checked 2026-08-28) --- 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.