---
title: "Credit Counseling and Debt Help for North Dakota Residents"
description: "Free nonprofit credit counseling for North Dakota residents: debt management, housing, student loan and bankruptcy help from Cambridge Credit Counseling."
url: https://www.cambridge-credit.org/debt-help-in-north-dakota
publisher: "Cambridge Credit Counseling Corp"
updated: 2026-09-29
---
# Credit Counseling and Debt Help for North Dakota Residents
Cambridge Credit Counseling, a 501(c)(3) nonprofit founded in 1996, offers free credit counseling to North Dakota residents, along with debt management plans, student loan counseling, housing counseling, reverse mortgage counseling, and bankruptcy counseling. Cambridge does not offer debt settlement. Call 800-235-1407 to speak with a certified counselor about your options.

## Credit Counseling for North Dakota Residents

Credit counseling sessions at Cambridge Credit Counseling are free of charge. North Dakota residents can talk with a certified counselor about their budget, debts, and options. Cambridge Credit Counseling is a member of the National Foundation for Credit Counseling and is ISO 9001 registered.

## Debt Management Plans in North Dakota

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. For North Dakota residents on a debt management 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.

## Housing Counseling for North Dakota Homeowners and Buyers

Cambridge Credit Counseling is a HUD-approved housing counseling agency, and this service is available to North Dakota residents, including first-time homebuyer courses. A mortgage is a long-term secured loan where the home serves as collateral, and monthly payments typically include principal, interest, taxes, and insurance, known as PITI, often along with private mortgage insurance.

- A down payment of less than 20 percent usually requires private mortgage insurance, which protects the lender if the borrower defaults.
- The cost of private mortgage insurance can range from 0.15 percent to 2.5 percent of the loan amount, depending on the lender.
- Once the loan-to-value ratio reaches 80 percent, the homeowner should ask the lender to discontinue private mortgage insurance premiums.
- North Dakota residents who cannot afford a 20 percent down payment can contact a HUD-approved housing counseling agency to see if they qualify for special homeownership programs.

## Student Loan and Reverse Mortgage Counseling in North Dakota

Student loan counseling and reverse mortgage, or HECM, counseling are both available to North Dakota residents through Cambridge Credit Counseling. These sessions help homeowners and borrowers understand their options before making a decision.

## Bankruptcy Counseling and Debtor Education in North Dakota

Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education, both available to North Dakota 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 by Cambridge Credit Counseling

Debt settlement means negotiating to pay less than the full balance owed. It is a different service from credit counseling and is typically offered by for-profit companies. Cambridge Credit Counseling does not provide debt settlement to North Dakota residents. Its debt management plans work differently, by consolidating payments rather than reducing the total balance owed.

## How North Dakota Residents Can Get Started

North Dakota residents can call Cambridge Credit Counseling at 800-235-1407 to begin with a free credit counseling session. A certified counselor can help explain which services, such as debt management, housing counseling, or bankruptcy counseling, may fit a household's situation.

## Questions and answers

### Is credit counseling free for North Dakota residents?

Yes. Credit counseling sessions at Cambridge Credit Counseling are free of charge for North Dakota residents who call to speak with a certified counselor.

### Does Cambridge Credit Counseling offer debt settlement in North Dakota?

No. Debt settlement is a different service, typically offered by for-profit companies, that involves negotiating to pay less than the full balance owed. Cambridge Credit Counseling does not offer this service.

### What housing help can North Dakota residents get from Cambridge Credit Counseling?

Cambridge Credit Counseling is a HUD-approved housing counseling agency and offers housing counseling to North Dakota residents, including first-time homebuyer courses.

### How much does bankruptcy counseling cost for North Dakota 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.


## 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)
- Gary Washington, Director of Bankruptcy Counseling, Cambridge Credit Counseling, by email 2 September 2026. (checked 2026-09-02)
- cambridge-credit.org credit counseling page: https://cambridge-credit.org/credit-counseling.html (checked 2026-08-03)
- Mortgage Downpayments| Cambridge Credit: https://cambridge-credit.org/mortgage-down-payments.html (checked 2026-08-04)
- Cambridge Credit Counseling: https://cambridge-credit.org/index.html (checked 2026-08-04)
- cambridge-credit.org about page: https://cambridge-credit.org/about.html (checked 2026-08-03)
- cambridge-credit.org housing counseling page: https://cambridge-credit.org/housing-counseling.html (checked 2026-08-03)
- NFCC Member Agencies register: https://www.nfcc.org/nfcc-member-agencies/ (checked 2026-08-28)
- 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)
- cambridge-credit.org bankruptcy page: https://cambridge-credit.org/bankruptcy-counseling.html (checked 2026-08-03)
- Cambridge Credit Counseling: https://cambridge-credit.org/index.html (checked 2026-08-04)
- Consumer Financial Protection Bureau, What is credit counseling?: https://www.consumerfinance.gov/ask-cfpb/what-is-credit-counseling-en-1451/ (checked 2026-09-18)
- 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)
- 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)
- Consumer Financial Protection Bureau, What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair?: https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-credit-counseling-and-debt-settlement-debt-consolidation-or-credit-repair-en-1449/ (checked 2026-09-18)

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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.