Credit counseling sessions at Cambridge Credit Counseling are free of charge. Debt management plan fees can apply and vary by situation. Bankruptcy related courses have small set fees. 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. Exact costs are explained clearly before you agree to any service.
Would it help to talk this through?
A certified counselor will go through your own numbers with you. The session is free and there is nothing to buy.
Credit Counseling Sessions Are Free#
Cambridge Credit Counseling offers credit counseling as a free service to consumers who are having difficulty paying credit card and other unsecured bills. This includes a free, one-on-one debt analysis and a free debt evaluation with a nationally certified credit counselor to help you understand your options.
Debt Management Plan Fees Vary#
Cambridge Credit Counseling offers debt management plans as part of its debt relief services. Fees for a debt management plan can vary depending on your situation, and we explain any fees that apply during your free counseling session, before you decide whether to move forward.
Bankruptcy and Debtor Education Course Fees#
People who plan to file for bankruptcy must complete a pre-filing credit counseling course and a post-filing debtor education course to have their debts discharged, under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. Cambridge Credit Counseling is approved by the U.S. Department of Justice Executive Office of United States Trustees to provide both courses online. The table below shows the published fees for these courses.
Approval by the U.S. Department of Justice Executive Office of United States Trustees does not endorse or assure the quality of our services.
| Course | Fee | Notes |
|---|---|---|
| Pre-Bankruptcy Credit Counseling course | $50.00 per household per session | One fee per household, so a couple taking the course together pays once. Available free or at a reduced rate based on ability to pay. |
| Post-Filing Debtor Education course | $50.00 per household per session | One fee per household, so a couple taking the course together pays once. Available free or at a reduced rate based on ability to pay. |
These courses do not affect your credit rating. Cambridge Credit Counseling does not report participation in its bankruptcy counseling or debtor education courses and does not pull your credit report to provide these services.
Where Fees Are Disclosed#
We share our fee information directly with consumers before any service begins. Bankruptcy course fees are listed on the Bankruptcy Counseling page at Cambridge Credit Counseling, and any debt management plan fees are explained during your free counseling session with a certified counselor.
What To Do Next#
If you want to understand your options without cost, Cambridge Credit Counseling offers a free counseling session with a certified credit counselor. If you need to register for a bankruptcy course, you can call Cambridge Credit Counseling at (800) 403-3433.
Common questions
Is credit counseling at Cambridge Credit Counseling really free?
Yes. Credit counseling sessions at Cambridge Credit Counseling are free of charge, and they include a free debt evaluation and one-on-one debt analysis.
Does a debt management plan through Cambridge Credit Counseling cost money?
Fees for a debt management plan can vary. We explain any fees that apply during your free counseling session before you decide whether to enroll.
How much do the bankruptcy courses from Cambridge Credit Counseling cost?
Cambridge Credit Counseling charges $50.00 per household per session for the pre-filing credit counseling course and $50.00 per household per session for the post-filing debtor education course. These are the two courses US bankruptcy law requires. The fee is one per household, so a couple taking a course together pays once.
Will taking a bankruptcy course from Cambridge Credit Counseling affect my credit score?
No. Cambridge Credit Counseling does not report participation in its bankruptcy counseling or debtor education courses and does not pull your credit report for these services.
How do I get started with Cambridge Credit Counseling?
You can start with a free counseling session with a certified credit counselor. For bankruptcy course registration, call Cambridge Credit Counseling at (800) 403-3433.
Where this information comes from
- Best Credit Counseling Service | Cambridge Credit cambridge-credit.org Checked 2026-08-04.
- Bankruptcy Counseling | Cambridge cambridge-credit.org Checked 2026-08-04.
- Cambridge Credit Counseling cambridge-credit.org Checked 2026-08-04.
- cambridge-credit.org credit counseling page cambridge-credit.org Checked 2026-08-03.
- About Cambridge Credit Counseling cambridge-credit.org Checked 2026-08-04.
- Cambridge Credit Counseling cambridge-credit.org Checked 2026-08-04.
- Creating a Household Budget | Cambridge Credit cambridge-credit.org Checked 2026-08-04.
- Credit Counseling Certifications | Cambridge Credit cambridge-credit.org Checked 2026-08-04.
- Financial Literacy | Cambridge Credit cambridge-credit.org Checked 2026-08-04.
- Housing Counseling | Cambridge cambridge-credit.org Checked 2026-08-04.
- Selecting a Consumer Credit Counseling Agency | Cambridge Credit cambridge-credit.org Checked 2026-08-04.
- Equal Credit Opportunity Act | Cambridge Credit cambridge-credit.org Checked 2026-08-04.
- 1st Time Homebuyers | Cambridge cambridge-credit.org Checked 2026-08-04.