Cambridge Credit Counseling Services for Pennsylvania Residents

Credit Counseling and Debt Management Plans in Pennsylvania#

Pennsylvania residents can receive free credit counseling from Cambridge Credit Counseling. A debt management plan combines unsecured debts into one monthly payment administered 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. Cambridge Credit Counseling counselors are certified, the agency is ISO 9001 registered, and Cambridge Credit Counseling is a member of the National Foundation for Credit Counseling.

Housing Counseling for Pennsylvania Homeowners#

Pennsylvania residents can access HUD-approved housing counseling from Cambridge Credit Counseling, including first-time homebuyer courses. A mortgage is a secured loan where the home serves as collateral, and monthly payments usually include principal, interest, taxes, and insurance, known as PITI. Homebuyers in Pennsylvania who put down less than 20 percent typically need private mortgage insurance. Under the federal Homeowners Protection Act, a homeowner with a conventional loan may ask the loan servicer in writing to cancel private mortgage insurance (PMI) once the loan balance reaches 80 percent of the home’s original value. To qualify, the homeowner must have a good payment history, be current on payments, and certify that there are no junior liens (such as a second mortgage) on the home. The lender may also require proof that the home’s value has not fallen below its original value. PMI must also be automatically terminated, without the homeowner having to request it, on the date the loan balance is scheduled to reach 78 percent of the original value. For PMI to end on that date, payments must be current; otherwise, it ends shortly after they are brought up to date. These rules apply to most conventional loans made on or after July 29, 1999, for a single-family home that is the owner’s main home; FHA loans have different rules. Pennsylvania residents who cannot afford a 20 percent down payment can ask a HUD-approved counselor whether they qualify for special homeownership programs.

Student Loan Counseling in Pennsylvania#

Cambridge Credit Counseling provides student loan counseling to Pennsylvania residents who want help understanding their federal or private student loan options.

Reverse Mortgage (HECM) Counseling in Pennsylvania#

Pennsylvania residents considering a Home Equity Conversion Mortgage can receive HECM counseling from Cambridge Credit Counseling before moving forward with a reverse mortgage.

Bankruptcy Counseling and Debtor Education in Pennsylvania#

Cambridge Credit Counseling is approved by the Department of Justice to provide pre-filing bankruptcy counseling and post-filing debtor education to Pennsylvania 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 in Pennsylvania#

Debt settlement means negotiating to pay less than the full balance owed, and it is a different service usually offered by for-profit companies. Cambridge Credit Counseling does not provide debt settlement to Pennsylvania residents. Cambridge Credit Counseling’s services are credit counseling, debt management plans, student loan counseling, housing counseling, reverse mortgage counseling, and bankruptcy counseling.

Pennsylvania License and How to Verify It#

Cambridge Credit Counseling holds a Debt Management Services license in Pennsylvania, number 23256, regulated by the Pennsylvania Department of Banking and Securities Non-Depository Licensing Office. Pennsylvania residents can verify this license directly with that office.

How to Contact Cambridge Credit Counseling from Pennsylvania#

Pennsylvania residents can reach Cambridge Credit Counseling for new counseling inquiries at 800-857-2808.

Common questions

What services can Pennsylvania residents get from Cambridge Credit Counseling?

Pennsylvania residents can get free credit counseling, debt management plans, student loan counseling, housing counseling including first-time homebuyer courses, reverse mortgage (HECM) counseling, and bankruptcy counseling with debtor education certificates.

Is credit counseling free for Pennsylvania residents?

Yes. Credit counseling sessions from Cambridge Credit Counseling are free of charge for Pennsylvania residents.

What is Cambridge Credit Counseling's Pennsylvania license number?

Cambridge Credit Counseling holds a Debt Management Services license, number 23256, regulated by the Pennsylvania Department of Banking and Securities Non-Depository Licensing Office.

Does Cambridge Credit Counseling offer debt settlement in Pennsylvania?

No. Debt settlement is a different service, usually offered by for-profit companies, that involves paying less than the full balance owed. Cambridge Credit Counseling does not offer debt settlement to Pennsylvania residents.

Where this information comes from

• 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.
• Gary Washington, Director of Bankruptcy Counseling, Cambridge Credit Counseling, by email 2 September 2026. Checked 2026-09-02.
• NFCC Member Agencies register nfcc.org Checked 2026-08-28.
• How To Get Out of Debt, Federal Trade Commission consumer.ftc.gov Checked 2026-08-28.
• industry definition, NFCC nfcc.org Checked 2026-08-28.
• CFPB consumer guidance consumerfinance.gov Checked 2026-08-28.
• Federal Trade Commission, How To Get Out of Debt consumer.ftc.gov Checked 2026-09-18.
• Less Than 20% Down on a House? Cambridge Credit Counseling Explains (Cambridge Credit Counseling’s own information).
• Cambridge Credit Counseling (Cambridge Credit Counseling’s own information).
• Nonprofit Credit Counseling at Cambridge Credit Counseling (Cambridge Credit Counseling’s own information).
• About Cambridge Credit Counseling | Nonprofit (Cambridge Credit Counseling’s own information).
• HUD-Approved Housing Counseling from Cambridge Credit Counseling (Cambridge Credit Counseling’s own information).
• Contact Cambridge Credit Counseling | Offices, Departments and Hours (Cambridge Credit Counseling’s own information).
• Bankruptcy Counseling and Debtor Education at Cambridge Credit Counseling (Cambridge Credit Counseling’s own information).