consolidatedcredit.org

# Consolidated Credit: Consolidated Credit

> With over 10 million people helped since 1993, Consolidated Credit can help you find debt relief through credit counseling and debt consolidation\.

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## Pages
- [Budgeting Made Easy](https://www.consolidatedcredit.org/budgeting-made-easy/)
- [Your Rights and Protections in Credit Counseling](https://www.consolidatedcredit.org/credit-counseling/your-rights-and-protections/)
- [Sandra Tobon](https://www.consolidatedcredit.org/certified-credit-experts/sandra-tobon/)
- [April Lewis\-Parks](https://www.consolidatedcredit.org/certified-credit-experts/april-lewis-parks/)
- [Florida](https://www.consolidatedcredit.org/debt-relief/florida/)

## Posts
- [What’s Worse than Personal Debt?](https://www.consolidatedcredit.org/financial-news/whats-worse-than-personal-debt/): Not talking about personal debt\.
- [This Mortgage Might Cost You an ARM and a Leg](https://www.consolidatedcredit.org/financial-news/this-mortgage-might-cost-you-an-arm-and-a-leg/): Adjustable\-rate mortgages are popular again\. But maybe they shouldn’t be\.
- [Your Tax Refund Could Help Your Debt Problem – If You Use It Strategically](https://www.consolidatedcredit.org/financial-news/your-tax-refund-could-help-your-debt-problem-if-you-use-it-strategically/): Before spending your refund, consider how it could strengthen your financial safety net\.
- [First\-Time Home Buyers Checklist for the 2025 Market](https://www.consolidatedcredit.org/financial-news/first-time-home-buyers-checklist-for-the-2025-market/): Peak homebuying season is coming up quick\. Make sure you're prepared to purchase\. 
- [Staying in your Home Is Getting as Expensive as Buying a New One](https://www.consolidatedcredit.org/financial-news/staying-in-your-home-is-getting-as-expensive-as-buying-a-new-one/): Existing homeowners need help, too\. Luckily, it’s available\.

## Infographic
- [Smart Identity Theft Protection Tips](https://www.consolidatedcredit.org/infographics/identity-theft-protection/)
- [Valentines Gifts and Your Wallet](https://www.consolidatedcredit.org/infographics/valentines-gifts-wallet/)
- [Last\-Minute Holiday Shopping Tips](https://www.consolidatedcredit.org/infographics/last-minute-shopping-tips/)
- [American Spending Statistics](https://www.consolidatedcredit.org/infographics/american-spending-statistics/)
- [5 Measures of Financial Fitness](https://www.consolidatedcredit.org/infographics/5-measures-financial-fitness/)

## Ask The Experts
- [How Do I Rebuild My Credit Score?](https://www.consolidatedcredit.org/ask-the-experts/how-to-raise-your-credit-score/)
- [Should My Parents Get a Reverse Mortgage?](https://www.consolidatedcredit.org/ask-the-experts/should-my-parents-get-a-reverse-mortgage/)
- [Is a Home Equity Loan a Good idea?](https://www.consolidatedcredit.org/ask-the-experts/is-a-home-equity-loan-a-good-idea/)
- [What is a Housing Counselor and How Can They Help?](https://www.consolidatedcredit.org/ask-the-experts/what-is-a-housing-counselor/)
- [Should I Consider Consolidation?](https://www.consolidatedcredit.org/ask-the-experts/should-i-consider-consolidation/)

## Booklets
- [Breaking Down Buy Now, Pay Later: The True Cost of Convenience](https://www.consolidatedcredit.org/library/breaking-down-buy-now-pay-later-the-true-cost-of-convenience/)
- [Financial Preparation for Life After Divorce](https://www.consolidatedcredit.org/library/divorce-your-credit-booklet/)
- [2026 Money Confidence Roadmap](https://www.consolidatedcredit.org/library/2026-money-confidence-roadmap/)
- [Keys to Homeownership: Your Guide to Buying a Home Smartly \& Confidently](https://www.consolidatedcredit.org/library/homebuyer-guide/)
- [Understanding Your Credit Card Statement](https://www.consolidatedcredit.org/library/how-to-read-a-credit-card-statement/)

## Case Studies
- [Susan and Donald](https://www.consolidatedcredit.org/case-studies/donald/)
- [Andres](https://www.consolidatedcredit.org/case-studies/andres/)
- [Misty](https://www.consolidatedcredit.org/case-studies/misty/)
- [Suzanne](https://www.consolidatedcredit.org/case-studies/suzanne-3/)
- [Lyle](https://www.consolidatedcredit.org/case-studies/lyle/)

## Debt Stories
- [Going Into Debt for His Cat: How a DMP Helped Seph Pay Down $11,000](https://www.consolidatedcredit.org/debt-stories/going-into-debt-for-his-cat-how-a-dmp-helped-seph-pay-down-11000/): Seph paid off $11,000 in credit card using a debt management program through Consolidated Credit\. 
- [Good Friend Equals Bad Debt](https://www.consolidatedcredit.org/debt-stories/good-friend-equals-bad-debt/): Patrick lent $28,000 to a friend who hasn’t paid it back\.
- [Laid Back and Unashamed: How Elaine S\. Is Getting Out of Debt](https://www.consolidatedcredit.org/debt-stories/laid-back-and-unashamed-how-elaine-shepard-is-getting-out-of-debt/): Her credit card interest rates were up to 30% – until she called Consolidated Credit\. 
- [An Accident, a Pandemic, and then Debt](https://www.consolidatedcredit.org/debt-stories/an-accident-a-pandemic-and-then-debt/): Tony is a survivor, and he wasn’t going to let debt defeat him\.
- [Social Insecurity](https://www.consolidatedcredit.org/debt-stories/social-insecurity/): Aaron fell into debt after his checks were stolen\.

## Press Releases
- [Consolidated Credit and the Hispanic Heritage Chamber of Commerce Collaborate to Strengthen Growth of Hispanic Business Community](https://www.consolidatedcredit.org/press-releases/consolidated-credit-and-the-hispanic-heritage-chamber-of-commerce-collaborate-to-strengthen-growth-of-hispanic-business-community/): Consolidated Credit and the Hispanic Heritage Chamber of Commerce committed to growth and stability of Hispanic businesses and entrepreneurs\.

- [Consolidated Credit Starts Off the New Year with New Webinar Series Focused on the Best Debt Strategy, Preparing for Tax Season, and Earning Financial Freedom](https://www.consolidatedcredit.org/press-releases/consolidated-credit-starts-off-the-new-year-with-new-webinar-series-focused-on-the-best-debt-strategy-preparing-for-tax-season-and-earning-financial-freedom/): New Year, new webinar series focused on best debt strategy, preparing for tax season, and earning financial freedom\.


- [Consolidated Credit Renews Partnership with Junior Achievement to Expand Financial Education](https://www.consolidatedcredit.org/press-releases/consolidated-credit-renews-partnership-with-junior-achievement-to-expand-financial-education/): Hands\-on financial education will reach tens of thousands of students through JA World programs and storefront learning experiences\.
- [Scary Spending Stories: Halloween and Social Media 2019](https://www.prnewswire.com/news-releases/scary-spending-stories-halloween-and-social-media-2019-300946862.html)
- [Black Friday and Cyber Monday: Consolidated Credit Urges you to Stick to a Holiday Budget](https://www.consolidatedcredit.org/press-releases/stick-to-holiday-budget/)

## Education Quizzes
- [Financial Literacy Test](https://www.consolidatedcredit.org/cuestionarios-educativos/financial-literacy-test/)
- [Understanding Credit](https://www.consolidatedcredit.org/cuestionarios-educativos/understanding-credit/)
- [Youth Financial Literacy Test](https://www.consolidatedcredit.org/cuestionarios-educativos/youth-financial-literacy-test/)
- [Are you a good candidate for a debt consolidation loan?](https://www.consolidatedcredit.org/cuestionarios-educativos/are-you-a-good-candidate-for-a-debt-consolidation-loan/)
- [Is Debt Settlement Your Best Option for Debt Relief?](https://www.consolidatedcredit.org/cuestionarios-educativos/is-debt-settlement-your-best-option-for-debt-relief/)

## Financial Education Videos
- [Don't Let Taxes Stress You: Plan\. Prepare\. Prosper\.](https://www.consolidatedcredit.org/videos/dont-let-taxes-stress-you-plan-prepare-prosper/)
- [Your Money, Your Terms: Picking the Best Debt Strategy](https://www.consolidatedcredit.org/videos/your-money-your-terms-picking-the-best-debt-strategy/)
- [How to Repair Your Credit for Free](https://www.consolidatedcredit.org/videos/repair-your-credit-for-free/)
- [Budget Analysis](https://www.consolidatedcredit.org/videos/budget-analysis/)
- [Mental and Financial Health](https://www.consolidatedcredit.org/videos/mental-and-financial-health/)

## Video Playlist
- [Community Outreach \(Financial News Page\)](https://www.consolidatedcredit.org/video-playlist/community-outreach/)
- [Community Outreach \(All Time\)](https://www.consolidatedcredit.org/video-playlist/community-outreach-all-time/)
- [Budgeting](https://www.consolidatedcredit.org/video-playlist/budgeting/)
- [Game of Good Credit](https://www.consolidatedcredit.org/video-playlist/game-of-good-credit/)
- [Housing Success Stories](https://www.consolidatedcredit.org/video-playlist/housing-success-stories/)

## Categories
- [Debt](https://www.consolidatedcredit.org/financial-news/category/debt/)
- [Money Management](https://www.consolidatedcredit.org/financial-news/category/money-management/)
- [Company](https://www.consolidatedcredit.org/financial-news/category/company/)
- [Credit](https://www.consolidatedcredit.org/financial-news/category/credit/)
- [Housing](https://www.consolidatedcredit.org/financial-news/category/housing/)

## Categories
- [Debt Elimination](https://www.consolidatedcredit.org/ask-the-experts/category/debt-elimination/)
- [All About Credit](https://www.consolidatedcredit.org/ask-the-experts/category/all-about-credit/)
- [Mortgage \& Homeownership](https://www.consolidatedcredit.org/ask-the-experts/category/mortgage-and-homeownership/)
- [Credit Score](https://www.consolidatedcredit.org/ask-the-experts/category/credit-score/)
- [Family Finance](https://www.consolidatedcredit.org/ask-the-experts/category/family-finance/)

## Optional
- [Sitemap index](https://www.consolidatedcredit.org/sitemap_index.xml)