# Cambridge Credit Counseling Corp
Cambridge Credit Counseling Corp is a 501(c)(3) nonprofit credit counseling agency founded in 1996.
Address: 67 Hunt Street, Suite 305, Agawam, MA 01001
New counseling inquiries: 800-857-2808. Housing: 800-757-1788. Student loans: 888-661-7910. Bankruptcy: 800-403-3433.
Counseling hours: Mon-Thu 8am-8pm, Fri 8am-5pm, Sat 10am-3pm ET
Last updated: 2026-10-22
## Services
Credit counseling and debt management plans, housing counseling (first-time homebuyer, reverse mortgage, and foreclosure for Massachusetts, Connecticut, New York, Missouri and Kansas residents), student loan counseling, bankruptcy counseling and debtor education courses.
## Pages
### education
- [Allowance Basics | Cambridge Credit Counseling](https://www.cambridge-credit.org/allowance-basics)
- [Back To School Savings | Cambridge Credit Counseling](https://www.cambridge-credit.org/back-to-school-savings)
- [Budgeting For Baby | Cambridge Credit Counseling](https://www.cambridge-credit.org/budgeting-for-baby)
- [Children and Money Management | Cambridge Credit Counseling](https://www.cambridge-credit.org/children-and-money-management)
- [College Tuition Basics | Cambridge Credit Counseling](https://www.cambridge-credit.org/college-tuition-basics)
- [Creating a Budget | Cambridge Credit Counseling](https://www.cambridge-credit.org/creating-a-budget)
- [Creating a Crisis Budget | Cambridge Credit Counseling](https://www.cambridge-credit.org/creating-a-crisis-budget)
- [Credit Basics | Cambridge Credit Counseling](https://www.cambridge-credit.org/credit-basics)
- [Credit Scores Affect Insurance Rates | Cambridge Credit Counseling](https://www.cambridge-credit.org/credit-scores-affect-insurance-rates)
- [Credit Terms | Cambridge Credit Counseling](https://www.cambridge-credit.org/credit-terms)
- [Energy Efficiency Tips | Cambridge Credit Counseling](https://www.cambridge-credit.org/energy-efficiency-tips)
- [Financial Discussions Before Marriage | Cambridge Credit Counseling](https://www.cambridge-credit.org/financial-discussions-before-marriage)
- [Financial Literacy For Teens | Cambridge Credit Counseling](https://www.cambridge-credit.org/financial-literacy-for-teens)
- [Financial Tips For Couples | Cambridge Credit Counseling](https://www.cambridge-credit.org/financial-tips-for-couples)
- [High Energy Costs | Cambridge Credit Counseling](https://www.cambridge-credit.org/high-energy-costs)
- [Holiday Spending Tips | Cambridge Credit Counseling](https://www.cambridge-credit.org/holiday-spending-tips)
- [How To Avoid Making Financial Mistakes | Cambridge Credit Counseling](https://www.cambridge-credit.org/how-to-avoid-making-financial-mistakes)
- [How To Avoid Unnecessary Expenses | Cambridge Credit Counseling](https://www.cambridge-credit.org/how-to-avoid-unnecessary-expenses)
- [How To Save Money While Spring Cleaning | Cambridge Credit Counseling](https://www.cambridge-credit.org/how-to-save-money-while-spring-cleaning)
- [Life Insurance Basics | Cambridge Credit Counseling](https://www.cambridge-credit.org/life-insurance-basics)
- [Living Within Your Means | Cambridge Credit Counseling](https://www.cambridge-credit.org/living-within-your-means)
- [Managing Your Checkbook | Cambridge Credit Counseling](https://www.cambridge-credit.org/managing-your-checkbook)
- [Money For Singles | Cambridge Credit Counseling](https://www.cambridge-credit.org/money-for-singles)
- [Money Saving Moving Tips | Cambridge Credit Counseling](https://www.cambridge-credit.org/money-saving-moving-tips)
- [Money Saving Tips | Cambridge Credit Counseling](https://www.cambridge-credit.org/money-saving-tips)
- [Preparing For A New Baby | Cambridge Credit Counseling](https://www.cambridge-credit.org/preparing-for-a-new-baby)
- [Raising Kids One Income | Cambridge Credit Counseling](https://www.cambridge-credit.org/raising-kids-one-income)
- [Safeguard Your Finances While Traveling | Cambridge Credit Counseling](https://www.cambridge-credit.org/safeguard-your-finances-while-traveling)
- [Saving Investing Basics | Cambridge Credit Counseling](https://www.cambridge-credit.org/saving-investing-basics)
- [Saving Money During Holidays | Cambridge Credit Counseling](https://www.cambridge-credit.org/saving-money-during-holidays)
- [Saving Money On Halloween | Cambridge Credit Counseling](https://www.cambridge-credit.org/saving-money-on-halloween)
- [Saving Money On Thanksgiving | Cambridge Credit Counseling](https://www.cambridge-credit.org/saving-money-on-thanksgiving)
- [Saving Money With A Staycation | Cambridge Credit Counseling](https://www.cambridge-credit.org/saving-money-with-a-staycation)
- [Saving On Home Electricity Bills | Cambridge Credit Counseling](https://www.cambridge-credit.org/saving-on-home-electricity-bills)
- [Teaching Kids the Value of Money | Cambridge Credit Counseling](https://www.cambridge-credit.org/teaching-kids-the-value-of-money)
- [Teen Drivers Auto Insurance | Cambridge Credit Counseling](https://www.cambridge-credit.org/teen-drivers-auto-insurance)
- [Using Credit Responsibly | Cambridge Credit Counseling](https://www.cambridge-credit.org/using-credit-responsibly)
- [Utility Budget Plans | Cambridge Credit Counseling](https://www.cambridge-credit.org/utility-budget-plans)
- [Where Do Taxes Go | Cambridge Credit Counseling](https://www.cambridge-credit.org/where-do-taxes-go)
- [Winterizing Your Home | Cambridge Credit Counseling](https://www.cambridge-credit.org/winterizing-your-home)
### podcast
- [Financial Wellness Today - Episode 1](https://www.cambridge-credit.org/podcast-financial-wellness-today-episode-1)
- [Financial Wellness Today - Episode 2](https://www.cambridge-credit.org/podcast-financial-wellness-today-episode-2)
- [Financial Wellness Today Episode 3](https://www.cambridge-credit.org/podcast-financial-wellness-today-episode-3)
- [Financial Wellness Today - Episode 4](https://www.cambridge-credit.org/podcast-financial-wellness-today-episode-4)
- [Financial Wellness Today Episode 5 Special Guest: Eric Smith from Rita](https://www.cambridge-credit.org/podcast-financial-wellness-today-episode-5-special-guest-eric-smith-from-rita)
- [Financial Wellness Today Episode 6 - Augie Card](https://www.cambridge-credit.org/podcast-financial-wellness-today-episode-6-augie-card)
- [Financial Wellness Today Episode 7 - Live Wiser](https://www.cambridge-credit.org/podcast-financial-wellness-today-episode-7-live-wiser)
- [THE Cambridge Connection - BEST OF SHOW](https://www.cambridge-credit.org/podcast-the-cambridge-connection-best-of-show)
- [THE Cambridge Connection - Episode 1](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-1)
- [THE Cambridge Connection - Episode 10](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-10)
- [THE Cambridge Connection - Episode 11](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-11)
- [THE Cambridge Connection - Episode 12](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-12)
- [THE Cambridge Connection - Episode 13](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-13)
- [THE Cambridge Connection - Episode 14](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-14)
- [THE Cambridge Connection - Episode 15](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-15)
- [THE Cambridge Connection - Episode 16](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-16)
- [THE Cambridge Connection - Episode 17](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-17)
- [THE Cambridge Connection - Episode 18](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-18)
- [THE Cambridge Connection - Episode 19](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-19)
- [THE Cambridge Connection - Episode 2](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-2)
- [THE Cambridge Connection - Episode 20](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-20)
- [THE Cambridge Connection - Episode 21](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-21)
- [THE Cambridge Connection - Episode 22](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-22)
- [THE Cambridge Connection - Episode 23](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-23)
- [THE Cambridge Connection - Episode 24](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-24)
- [THE Cambridge Connection - Episode 25](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-25)
- [THE Cambridge Connection - Episode 26](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-26)
- [THE Cambridge Connection - Episode 27](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-27)
- [THE Cambridge Connection - Episode 28](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-28)
- [THE Cambridge Connection - Episode 29](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-29)
- [THE Cambridge Connection - Episode 3](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-3)
- [THE Cambridge Connection - Episode 30](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-30)
- [THE Cambridge Connection - Episode 31](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-31)
- [THE Cambridge Connection - Episode 32](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-32)
- [THE Cambridge Connection - Episode 33](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-33)
- [THE Cambridge Connection - Episode 34](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-34)
- [THE Cambridge Connection - Episode 35](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-35)
- [THE Cambridge Connection - Episode 36](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-36)
- [THE Cambridge Connection - Episode 37](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-37)
- [THE Cambridge Connection - Episode 38](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-38)
- [THE Cambridge Connection - Episode 39](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-39)
- [THE Cambridge Connection - Episode 4](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-4)
- [THE Cambridge Connection - Episode 40](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-40)
- [THE Cambridge Connection - Episode 41](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-41)
- [THE Cambridge Connection - Episode 42](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-42)
- [THE Cambridge Connection - Episode 43](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-43)
- [THE Cambridge Connection - Episode 44](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-44)
- [THE Cambridge Connection - Episode 45](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-45)
- [THE Cambridge Connection - Episode 46](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-46)
- [THE Cambridge Connection - Episode 47](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-47)
- [THE Cambridge Connection - Episode 48](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-48)
- [THE Cambridge Connection - Episode 49](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-49)
- [THE Cambridge Connection - Episode 5](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-5)
- [THE Cambridge Connection - Episode 50](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-50)
- [THE Cambridge Connection - Episode 51](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-51)
- [THE Cambridge Connection - Episode 52](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-52)
- [THE Cambridge Connection - Episode 53](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-53)
- [THE Cambridge Connection - Episode 54](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-54)
- [THE Cambridge Connection - Episode 55](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-55)
- [THE Cambridge Connection - Episode 56](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-56)
- [THE Cambridge Connection - Episode 57](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-57)
- [THE Cambridge Connection - Episode 59](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-59)
- [THE Cambridge Connection - Episode 6](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-6)
- [THE Cambridge Connection - Episode 60](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-60)
- [THE Cambridge Connection - Episode 62](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-62)
- [THE Cambridge Connection - Episode 63](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-63)
- [THE Cambridge Connection - Episode 64](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-64)
- [THE Cambridge Connection - Episode 65](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-65)
- [THE Cambridge Connection - Episode 66](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-66)
- [THE Cambridge Connection - Episode 67](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-67)
- [THE Cambridge Connection - Episode 7](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-7)
- [THE Cambridge Connection - Episode 8](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-8)
- [THE Cambridge Connection - Episode 9](https://www.cambridge-credit.org/podcast-the-cambridge-connection-episode-9)
### question
- [$20,000 in Card Debt? Cambridge Credit Counseling Explains Your Options](https://www.cambridge-credit.org/20k-credit-card-debt-minimum-payments-2026-08)
- [About Cambridge Credit Counseling | Nonprofit](https://www.cambridge-credit.org/about-cambridge-credit-counseling)
- [Accessibility Statement | Cambridge Credit Counseling](https://www.cambridge-credit.org/accessibility)
- [How to Tell If Nonprofit Credit Counseling Is Legit | Cambridge Credit Counseling](https://www.cambridge-credit.org/are-credit-counseling-agencies-legit-2026-08)
- [Ways to Avoid Bankruptcy for Credit Card Debt: Cambridge Credit Counseling](https://www.cambridge-credit.org/avoid-bankruptcy-credit-card-debt-2026-08)
- [Avoid Credit Repair Scams: Tips From Cambridge Credit Counseling](https://www.cambridge-credit.org/avoiding-credit-repair-scams-2026-08)
- [Bankruptcy Counseling Certificate: Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/bankruptcy-counseling-certificate-2026-08)
- [Cambridge Credit Counseling: Verify Its Approvals and Facts](https://www.cambridge-credit.org/cambridge-credit-counseling-reviews-2026-09)
- [Can a Charge-Off Be Removed From a Credit Report? | Cambridge Credit Counseling](https://www.cambridge-credit.org/can-a-charge-off-be-removed-2026-08)
- [Can't Afford Credit Card Payments? Cambridge Credit Counseling Can Help](https://www.cambridge-credit.org/cannot-afford-credit-card-payments-2026-08)
- [Working at Cambridge Credit Counseling: Mission and Applying](https://www.cambridge-credit.org/careers-at-cambridge-credit-counseling-2026-09)
- [Charge-Off vs. Collection Explained | Cambridge Credit Counseling](https://www.cambridge-credit.org/charge-off-vs-collection-2026-08)
- [Contact Cambridge Credit Counseling | Offices, Departments and Hours](https://www.cambridge-credit.org/contact-cambridge-credit-counseling)
- [Counselor Certifications and Agency Accreditations | Cambridge Credit Counseling](https://www.cambridge-credit.org/counselor-certifications)
- [Credit Card Application Traps to Watch For | Cambridge Credit Counseling](https://www.cambridge-credit.org/credit-card-application-basics-2026-09)
- [Minimum Credit Card Payments: The Real Cost | Cambridge Credit Counseling](https://www.cambridge-credit.org/credit-card-minimum-payments-2026-08)
- [Credit Card Protection Insurance: Worth It? | Cambridge Credit Counseling](https://www.cambridge-credit.org/credit-card-protection-insurance-2026-08)
- [Credit Counseling vs Debt Settlement: Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/credit-counseling-vs-debt-settlement-2026-08)
- [Customer Support for Cambridge Clients | Cambridge Credit Counseling](https://www.cambridge-credit.org/customer-support)
- [What Debt Collectors Can and Cannot Do | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-collector-rights-fdcpa-2026-09)
- [Debt Management Plan Fees: How Cambridge Credit Counseling Sets Them](https://www.cambridge-credit.org/debt-management-plan-fees-2026-08)
- [How Debt Settlement Differs From a Cambridge Credit Counseling Debt Plan](https://www.cambridge-credit.org/debt-settlement-vs-debt-management-2026-08)
- [Debt Snowball vs. Avalanche: Which Fits You? | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-snowball-vs-avalanche-2026-08)
- [Good Debt-to-Income Ratio: What Lenders Look For | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-to-income-ratio-2026-08)
- [Disclosures and State Licenses | Cambridge Credit Counseling](https://www.cambridge-credit.org/disclosures-and-state-licenses)
- [Disputing Credit Report Errors: Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/disputing-credit-report-errors-2026-09)
- [Debt Management Plans and Your Credit Report | Cambridge Credit Counseling](https://www.cambridge-credit.org/dmp-credit-report-effect-2026-08)
- [Equal Credit Opportunity Act: What It Protects | Cambridge Credit Counseling](https://www.cambridge-credit.org/equal-credit-opportunity-act-2026-08)
- [FDCPA Rules for Debt Collectors | Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/fair-debt-collection-practices-act-2026-08)
- [Federal Direct Loans Explained: Cambridge Credit Counseling Guide](https://www.cambridge-credit.org/federal-direct-loans-explained-2026-09)
- [Federal Perkins Loans: Repayment Rules | Cambridge Credit Counseling](https://www.cambridge-credit.org/federal-perkins-loan-program-ended-2026-09)
- [FFEL Loan Repayment Plans and Switching Rules | Cambridge Credit Counseling](https://www.cambridge-credit.org/ffel-repayment-plan-options-2026-09)
- [Free Financial Education Guides, Worksheets and Newsletters | Cambridge Credit Counseling](https://www.cambridge-credit.org/financial-education-guides-worksheets-and-newsletters)
- [What Happens in Your First Cambridge Credit Counseling Session](https://www.cambridge-credit.org/first-credit-counseling-session-2026-08)
- [First-Time Homebuyer Education Courses at Cambridge Credit Counseling](https://www.cambridge-credit.org/first-time-homebuyer-education-course-2026-08)
- [Frequently Asked Questions | Cambridge Credit Counseling](https://www.cambridge-credit.org/frequently-asked-questions)
- [Struggling With Payday Loan Debt? Cambridge Credit Counseling Can Help](https://www.cambridge-credit.org/get-out-of-payday-loan-debt-2026-08)
- [HEAL Loan Repayment Terms and Interest Rate | Cambridge Credit Counseling](https://www.cambridge-credit.org/heal-loan-repayment-basics-2026-09)
- [How Credit Counseling Agencies Like Cambridge Credit Counseling Are Funded](https://www.cambridge-credit.org/how-are-credit-counseling-agencies-funded-2026-08)
- [How Credit Counseling From Cambridge Credit Counseling Affects Your Score](https://www.cambridge-credit.org/how-credit-counseling-affects-credit-score-2026-08)
- [Debt Management Plan Length: 38 Months on Average at Cambridge Credit Counseling](https://www.cambridge-credit.org/how-long-does-a-debt-management-plan-take-2026-08)
- [Credit Counseling Costs Explained by Cambridge Credit Counseling](https://www.cambridge-credit.org/how-much-does-credit-counseling-cost-2026-08)
- [How to Choose a Credit Counseling Agency: Cambridge Credit Counseling Checklist](https://www.cambridge-credit.org/how-to-choose-a-credit-counseling-agency-2026-08)
- [How to Spot a Legitimate Credit Counseling Agency | Cambridge Credit Counseling](https://www.cambridge-credit.org/how-to-choose-credit-counseling-agency-2026-09)
- [Signs a Credit Counseling Agency Is Legitimate | Cambridge Credit Counseling](https://www.cambridge-credit.org/how-to-choose-credit-counseling-service-2026-09)
- [Where to Find HUD-Approved Foreclosure Help: Cambridge Credit Counseling](https://www.cambridge-credit.org/hud-housing-counseling-foreclosure-2026-08)
- [Is a Debt Management Plan a Loan? Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/is-a-debt-management-plan-a-loan-2026-08)
- [Yes, Credit Counseling at Cambridge Credit Counseling Is Free](https://www.cambridge-credit.org/is-credit-counseling-really-free-2026-08)
- [Is Nonprofit Credit Counseling Worth It? Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/is-credit-counseling-worth-it-2026-08)
- [Job Loss Guide: Health Insurance, Mortgage, Bills | Cambridge Credit Counseling](https://www.cambridge-credit.org/layoffs-income-loss-what-to-know-2026-09)
- [Lower Credit Card Interest Rates: How Cambridge Credit Counseling Helps](https://www.cambridge-credit.org/lower-credit-card-interest-rates-help-2026-08)
- [Less Than 20% Down on a House? Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/mortgage-down-payment-pmi-2026-09)
- [Mortgage Modification Help to Avoid Foreclosure | Cambridge Credit Counseling](https://www.cambridge-credit.org/mortgage-modification-help-2026-09)
- [New Credit Cards on a Debt Management Plan | Cambridge Credit Counseling](https://www.cambridge-credit.org/new-credit-cards-on-a-dmp-2026-08)
- [Nonprofit vs For-Profit Debt Help: Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/nonprofit-vs-forprofit-debt-help-2026-08)
- [Corporate Officers and Board of Directors | Cambridge Credit Counseling](https://www.cambridge-credit.org/officers-and-board-of-directors)
- [Stop the Paycheck-to-Paycheck Cycle: Cambridge Credit Counseling's Guide](https://www.cambridge-credit.org/paycheck-to-paycheck-credit-card-debt-2026-08)
- [Pioneer Credit Counseling Clients: Your Account Is Moving to Cambridge](https://www.cambridge-credit.org/pioneer-clients)
- [Privacy Notice | Cambridge Credit Counseling](https://www.cambridge-credit.org/privacy-notice)
- [HECM Reverse Mortgage Counseling: Is It Required? Cambridge Credit Counseling](https://www.cambridge-credit.org/reverse-mortgage-counseling-required-2026-08)
- [Debt Settlement Risks: What Cambridge Credit Counseling Wants You to Know](https://www.cambridge-credit.org/risks-of-debt-settlement-2026-08)
- [SCRA Rights for Active Duty Members | Cambridge Credit Counseling](https://www.cambridge-credit.org/servicemembers-civil-relief-act-rights-2026-09)
- [How Much House Can You Afford? Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/shopping-for-a-home-affordability-2026-09)
- [What Is a Stafford Loan? Eligibility Explained | Cambridge Credit Counseling](https://www.cambridge-credit.org/stafford-loans-explained-2026-09)
- [Legitimate Student Loan Counseling: Cambridge Credit Corp](https://www.cambridge-credit.org/student-loan-counseling-legitimate-2026-08)
- [Terms and Conditions | Cambridge Credit Counseling](https://www.cambridge-credit.org/terms-and-conditions)
- [What a Nonprofit Credit Counselor at Cambridge Credit Counseling Does](https://www.cambridge-credit.org/what-does-a-credit-counselor-do-2026-08)
- [What Is a 401(k) and How Does It Work? | Cambridge Credit Counseling](https://www.cambridge-credit.org/what-is-a-401k-2026-09)
- [What a Charge-Off Means for Your Debt | Cambridge Credit Counseling](https://www.cambridge-credit.org/what-is-a-charge-off-2026-08)
- [What Is a Debt Management Plan? Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/what-is-a-debt-management-plan-2026-08)
- [What Is Credit Counseling? A Plain Guide From Cambridge Credit Counseling](https://www.cambridge-credit.org/what-is-credit-counseling-2026-08)
- [What Is the Federal Reserve? Cambridge Credit Counseling Explains](https://www.cambridge-credit.org/what-is-the-federal-reserve-2026-09)
### service
- [Bankruptcy Counseling and Debtor Education at Cambridge Credit Counseling](https://www.cambridge-credit.org/bankruptcy-counseling-2026-08)
- [Nonprofit Credit Counseling at Cambridge Credit Counseling](https://www.cambridge-credit.org/credit-counseling-2026-08)
- [Debt Management Program from Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-management-plans-2026-08)
- [HUD-Approved Homebuyer Courses from Cambridge Credit Counseling](https://www.cambridge-credit.org/first-time-homebuyer-courses-2026-08)
- [Foreclosure Counseling From Cambridge Credit Counseling: Act Now](https://www.cambridge-credit.org/foreclosure-counseling-2026-08)
- [HUD-Approved Housing Counseling from Cambridge Credit Counseling](https://www.cambridge-credit.org/housing-counseling-2026-08)
- [Rental Counseling: Visit HUD.gov to Find a Counselor](https://www.cambridge-credit.org/rental-counseling-2026-08)
- [Reverse Mortgage (HECM) Counseling from Cambridge Credit Counseling](https://www.cambridge-credit.org/reverse-mortgage-counseling-2026-08)
- [Student Loan Counseling from Cambridge Credit Counseling](https://www.cambridge-credit.org/student-loan-counseling-2026-08)
### state
- [Alabama Credit Counseling and Debt Help from Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-alabama)
- [Cambridge Credit Counseling in Alaska: Free Nonprofit Help](https://www.cambridge-credit.org/debt-help-in-alaska)
- [Cambridge Credit Counseling in Arizona: Free Debt Help](https://www.cambridge-credit.org/debt-help-in-arizona)
- [Arkansas Credit Counseling and Debt Help | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-arkansas)
- [California Debt Help: Cambridge Credit Counseling Nonprofit Counseling Services Guide](https://www.cambridge-credit.org/debt-help-in-california)
- [Cambridge Credit Counseling in Colorado: Licensed Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-colorado)
- [Cambridge Credit Counseling Services for Connecticut Residents](https://www.cambridge-credit.org/debt-help-in-connecticut)
- [Delaware Credit Counseling and Debt Help | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-delaware)
- [Cambridge Credit Counseling Services for Florida Residents](https://www.cambridge-credit.org/debt-help-in-florida)
- [Georgia Credit Counseling and Debt Help from Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-georgia)
- [Cambridge Credit Counseling Services for Hawaii Residents Today](https://www.cambridge-credit.org/debt-help-in-hawaii)
- [Idaho Credit Counseling and Debt Help from Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-idaho)
- [Illinois Credit Counseling and Debt Management | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-illinois)
- [Cambridge Credit Counseling in Indiana: Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-indiana)
- [Cambridge Credit Counseling in Iowa: Licensed Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-iowa)
- [Cambridge Credit Counseling in Kansas: Nonprofit Help for Debt](https://www.cambridge-credit.org/debt-help-in-kansas)
- [Cambridge Credit Counseling in Kentucky | Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-kentucky)
- [Cambridge Credit Counseling Services for Louisiana Residents](https://www.cambridge-credit.org/debt-help-in-louisiana)
- [Cambridge Credit Counseling Services for Maine Residents](https://www.cambridge-credit.org/debt-help-in-maine)
- [Cambridge Credit Counseling Services for Maryland Residents](https://www.cambridge-credit.org/debt-help-in-maryland)
- [Massachusetts Credit Counseling and Debt Help | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-massachusetts)
- [Cambridge Credit Counseling in Michigan: Licensed Debt Help](https://www.cambridge-credit.org/debt-help-in-michigan)
- [Cambridge Credit Counseling Services for Minnesota Residents](https://www.cambridge-credit.org/debt-help-in-minnesota)
- [Cambridge Credit Counseling in Mississippi: Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-mississippi)
- [Cambridge Credit Counseling Services for Missouri Residents](https://www.cambridge-credit.org/debt-help-in-missouri)
- [Cambridge Credit Counseling Services Available to Montana Residents](https://www.cambridge-credit.org/debt-help-in-montana)
- [Cambridge Credit Counseling in Nebraska: Licensed Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-nebraska)
- [Cambridge Credit Counseling in Nevada: Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-nevada)
- [Cambridge Credit Counseling in New Hampshire: Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-new-hampshire)
- [New Jersey Credit Counseling and Debt Help | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-new-jersey)
- [New Mexico Debt Help: Cambridge Credit Counseling Services Guide](https://www.cambridge-credit.org/debt-help-in-new-mexico)
- [Cambridge Credit Counseling in New York: Licensed Budget Planner Help](https://www.cambridge-credit.org/debt-help-in-new-york)
- [North Carolina Credit Counseling Help from Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-north-carolina)
- [North Dakota Credit Counseling and Debt Help | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-north-dakota)
- [Cambridge Credit Counseling Services for Ohio Residents Explained](https://www.cambridge-credit.org/debt-help-in-ohio)
- [Cambridge Credit Counseling Services for Oklahoma Residents Explained](https://www.cambridge-credit.org/debt-help-in-oklahoma)
- [Cambridge Credit Counseling Services for Oregon Residents](https://www.cambridge-credit.org/debt-help-in-oregon)
- [Cambridge Credit Counseling in Pennsylvania: Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-pennsylvania)
- [Cambridge Credit Counseling in Rhode Island: Nonprofit Help](https://www.cambridge-credit.org/debt-help-in-rhode-island)
- [South Carolina Credit Counseling: Cambridge Credit Counseling Nonprofit Help (SC)](https://www.cambridge-credit.org/debt-help-in-south-carolina)
- [South Dakota Credit Counseling and Debt Help | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-south-dakota)
- [Cambridge Credit Counseling in Tennessee: Licensed Nonprofit Debt Help](https://www.cambridge-credit.org/debt-help-in-tennessee)
- [Cambridge Credit Counseling Services for Texas Residents](https://www.cambridge-credit.org/debt-help-in-texas)
- [Cambridge Credit Counseling Services for US Virgin Islands Residents](https://www.cambridge-credit.org/debt-help-in-us-virgin-islands)
- [Utah Debt Help: Cambridge Credit Counseling Nonprofit Services](https://www.cambridge-credit.org/debt-help-in-utah)
- [Cambridge Credit Counseling in Vermont: Nonprofit Help for Debt](https://www.cambridge-credit.org/debt-help-in-vermont)
- [Cambridge Credit Counseling Services for Virginia Residents Explained](https://www.cambridge-credit.org/debt-help-in-virginia)
- [Cambridge Credit Counseling Services for Washington Residents](https://www.cambridge-credit.org/debt-help-in-washington)
- [Washington DC Credit Counseling and Debt Help | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-washington-dc)
- [West Virginia Credit Counseling and Debt Help | Cambridge Credit Counseling](https://www.cambridge-credit.org/debt-help-in-west-virginia)
- [Cambridge Credit Counseling in Wisconsin: Nonprofit Help](https://www.cambridge-credit.org/debt-help-in-wisconsin)
- [Cambridge Credit Counseling Services for Wyoming Residents](https://www.cambridge-credit.org/debt-help-in-wyoming)
## Get help
- [Talk with a counselor](https://www.cambridge-credit.org/get-help): free, no obligation.
- Or call 800-857-2808. A counselor calls back within 5 minutes during business hours, Monday to Friday.
## Free calculators
Each shows its assumptions and refuses to produce a figure it cannot stand behind.
- [Payoff timeline](https://www.cambridge-credit.org/tools/payoff-timeline): what paying off a balance actually takes.
- [Interest cost](https://www.cambridge-credit.org/tools/interest-cost): what the interest costs.
- [Debt to income](https://www.cambridge-credit.org/tools/debt-to-income): debt measured against income.
- [Monthly budget](https://www.cambridge-credit.org/tools/budget): a budget you can build.
- [Payment comparison](https://www.cambridge-credit.org/tools/payment-comparison): comparing two payment amounts.
## Also found at
- [nrmlaonline.org](https://www.nrmlaonline.org/vendors/cambridge-credit-counseling-corp)
- [facebook.com](https://www.facebook.com/CambridgeCreditCounseling/)
- [instagram.com](https://www.instagram.com/cambridgecreditcc/)
- [linkedin.com](https://www.linkedin.com/company/cambridge-credit-counseling-corp)
- [twitter.com](https://twitter.com/CambridgeCredit)
- [youtube.com](https://www.youtube.com/user/CambridgeCredit)
- [bbb.org](https://www.bbb.org/us/ma/agawam/profile/credit-and-debt-counseling/cambridge-credit-counseling-corporation-0261-200376)
- [feeds.libsyn.com](https://feeds.libsyn.com/371954/rss)
- [charitynavigator.org](https://www.charitynavigator.org/ein/043337726)
- [justice.gov](https://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111)
- [apps.hud.gov](https://apps.hud.gov/offices/hsg/sfh/hcc/hcs_print.cfm?webListAction=search&searchstate=ma)
- [fcaa.org](https://fcaa.org/)
- [nfcc.org](https://www.nfcc.org/agency-finder)
- [google.com](https://www.google.com/maps/place/Cambridge+Credit+Counseling+Corp./@42.0832002,-72.5935358,17z)
- [trustpilot.com](https://www.trustpilot.com/review/cambridge-credit.org)
- [consumeraffairs.com](https://www.consumeraffairs.com/debt_counsel/cambridge.html)
## Written about Cambridge
- [bills.com](https://www.bills.com/reviews/debt/cambridgecreditcounselingreview)
- [debt.org](https://www.debt.org/credit/counseling/agencies/)
- [financebuzz.com](https://financebuzz.com/cambridge-credit-counseling-review)
- [nerdwallet.com](https://www.nerdwallet.com/article/loans/personal-loans/cambridge-credit-counseling-review)
- [foundersmag.com](https://foundersmag.com/the-hidden-cost-of-employee-debt-gordon-oliver-on-why-financial-stress-has-become-a-boardroom-issue/)
- [ibtimes.com](https://www.ibtimes.com/christopher-viale-weight-credit-card-debt-path-back-financial-stability-3802551)
- [profittribune.com](https://profittribune.com/the-hidden-cost-of-employee-debt-gordon-oliver-on-why-financial-stress-has-become-a-boardroom-issue/)
## Formats
- [Sitemap](https://www.cambridge-credit.org/sitemap.xml): every page, machine readable.