Our non-profit debt consolidation program can safely get you out of debt fast!

As a NYSUT member, you have the opportunity to consolidate your credit card debt into one simple monthly payment and be debt free in a fraction of the time it would take you on your own. Plus, as a NYSUT member, you'll enjoy a 10% discount to help you save even more! Through our non-profit program, you could:

Reduce your credit card interest rates from an average of 22% to 8%
Save an average of 25% on your monthly credit card payments
Get out of debt in an average of just 50 months

Free Debt Analysis

Cambridge Credit Counseling Welcomes NYSUT Members

Cambridge is one of the country's most trusted and experienced non-profit debt consolidation agencies. We've been helping people safely eliminate their credit card debt for over 20 years - without filing for bankruptcy and without putting you further in debt by taking out another loan. Since you're a member of NYSUT, you'll save 10% off of our already low, non-profit fees! Some of the benefits of joining our program are:

One simple monthly payment

When you consolidate your credit card bills through Cambridge, you'll enjoy the convenience of making just one monthly payment for all of the accounts you include on our program.

Reduced interest rates

We work with your creditors to reduce your credit card interest rates - some down to 0%! On average, our clients' interest rates are reduce from 22% down to just 8% - a 64% reduction!

Reduced monthly payments

Our typical clients' monthly credit card payments are reduced by about 25%. In fact, our typical clients save close to $150 every month on their credit card payments - money that could be used to build up your savings.

Fast debt repayment

Our program is designed to get you out of credit card debt as quickly as possible, typically within a 3-5 year timeframe, which is a fraction of the time it would take you on your own, making just the minimum monthly payments.

Example of client savings

Here's an illustration of how Cambridge can save you thousands of dollars in interest over the course of your debt repayment.

As you can see, if you can only afford to pay the minimum payments on your credit cards every month, it could literally take you decades to pay the balances in full. Our average program benefits allow our clients to pay off their credit card balances much faster than they could on their own makingtheir minimum payments.