--- title: "Cambridge Credit Counseling Services for Kansas Residents" description: "Kansas residents can get free credit counseling and debt management plans from Cambridge Credit Counseling, a nonprofit regulated by the Kansas OSBC." url: https://www.cambridge-credit.org/debt-help-in-kansas publisher: "Cambridge Credit Counseling Corp" updated: 2026-09-30 --- # Cambridge Credit Counseling Services for Kansas Residents Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit agency. Kansas residents can access free credit counseling, debt management plans, housing counseling, student loan counseling, reverse mortgage counseling, and bankruptcy counseling. ## Services Available to Kansas Residents - Debt management plans and credit counseling - Student loan counseling - Housing counseling, including foreclosure help and first-time homebuyer courses - Reverse mortgage (HECM) counseling - Bankruptcy counseling and debtor education certificates All of these services are available to residents of Kansas through Cambridge Credit Counseling Corp. ## Credit Counseling for Kansas Residents Credit counseling sessions are free of charge for Kansas residents. Our counselors review a household's budget and debts and explain the options available, without any pressure to sign up for a program. ## Debt Management Plans in Kansas 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. On a plan, 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. Cambridge Credit Counseling sets a plan's monthly fee, and any setup fee, by what the household can afford, within the maximum allowed by state law; a counselor explains them before you enroll. Kansas residents considering this option can discuss whether it fits their situation during a free counseling session. ## Housing Counseling in Kansas Cambridge Credit Counseling is a HUD-approved housing counseling agency, and this service is available to Kansas residents, including foreclosure help and first-time homebuyer courses. A mortgage is a long-term secured loan in which the home serves as collateral, and a monthly payment typically includes principal, interest, taxes, and insurance, known as PITI, often with private mortgage insurance added. Private mortgage insurance protects the lender, not the borrower, and lenders typically require it when a down payment is smaller than the amount they require. Once a homeowner has built enough equity, they should ask their lender about removing this insurance. Kansas residents who are having trouble saving for a down payment are encouraged to speak with a HUD-approved housing counseling agency to learn about programs that may help. ## Bankruptcy Counseling in Kansas Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education, and this service is available to Kansas 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 Kansas Student loan counseling and reverse mortgage (HECM) counseling are both available to Kansas residents through Cambridge Credit Counseling Corp. ## What Is Not Offered to Kansas Residents Cambridge Credit Counseling does not offer 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. A credit counseling session with us is free and creates no obligation. Kansas residents will not find debt settlement through Cambridge Credit Counseling. ## About Cambridge Credit Counseling Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit founded in 1996. All of our credit counseling services are provided from our headquarters in Agawam, Massachusetts. Cambridge Credit Counseling is a member of the National Foundation for Credit Counseling and the Financial Counseling Association of America, and is approved by the U.S. Department of Housing and Urban Development to provide housing counseling. Our certified counselors serve clients across the country, including in Kansas. ## Contact Cambridge Credit Counseling Kansas residents can call Cambridge Credit Counseling at 800-235-1407 to begin a free credit counseling session. ## Questions and answers ### Is Cambridge Credit Counseling licensed to serve Kansas residents? Yes. Cambridge Credit Counseling Corp is a nonprofit credit counseling agency licensed in Kansas under a Credit Services Organization License, number CSO.0000031, regulated by the Kansas Office of the State Bank Commissioner. We are a member of the National Foundation for Credit Counseling and the Financial Counseling Association of America, and we are approved by the U.S. Department of Housing and Urban Development to provide housing counseling. ### Does Cambridge Credit Counseling charge for credit counseling in Kansas? No. Credit counseling sessions are free of charge for Kansas residents. ### Can Kansas residents get help with foreclosure or buying a first home? Yes. Cambridge Credit Counseling is a HUD-approved housing counseling agency and offers foreclosure help and first-time homebuyer courses to Kansas residents. ### Does Cambridge Credit Counseling offer debt settlement to Kansas residents? No. Cambridge Credit Counseling does not offer debt settlement. That service involves negotiating to pay less than the full balance owed and is typically offered by for-profit companies, not by Cambridge Credit Counseling. Credit counseling with Cambridge Credit Counseling is free, and if you choose a debt management plan, a counselor explains its fees before you enroll. ## 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.