Pay off your debt years faster — and keep thousands in interest.
See how much you could save with one lower monthly payment and a reduced interest rate. It takes about 60 seconds and won't affect your credit score.
- One affordable monthly payment instead of many
- Interest rates often cut to as low as 0% — and your minimum payments lowered
- No negative impact to your credit from the program
🔒 100% free & confidential · No obligation · No negative impact to your credit
How much could you save?
Move the slider to your approximate debt amount
Estimates assume a minimum payment of 2.75% of your balance, with payoff time based on a 29.99% card APR (a common real-world credit card compounded rate), vs. an APFSC program payment reduced by 20% over a 60-month (5-year) term. Illustrative only; your results depend on your creditors and finances. APFSC is a nonprofit agency — not a loan company.
You've seen this box on your own credit card bill
Federal law requires card companies to print this warning. Here's what minimum payments really cost — and what an APFSC plan does instead.
Making only the minimum payment increases the interest you pay and the time it takes to pay off your balance.
| If you pay… | You'll be debt-free in… | And pay a total of… |
|---|---|---|
| Only the minimum$687.50/mo | 34 years | $86,248 incl. $61,248 interest |
| The APFSC plan$550.00/mo | 5 years | $33,000 you save $53,248 |
Based on a $25,000 balance, a 29.99% card APR, and a 20% payment reduction under an APFSC plan. Adjust the amount with the calculator above. Figures are illustrative.
Debt-free in three steps
No judgment, no pressure — just a clear plan built around what you can actually afford.
Get your free analysis
Tell a certified counselor what you owe. In about 20 minutes we'll review your debt, budget, and options together — by phone or online.
100% Free · No obligationWe negotiate your rates
Because we're a nonprofit with 38 years of experience and deep creditor relationships, we work to lower your interest and roll everything into one payment.
You approve everythingBecome debt-free
Make one simple monthly payment while we handle your creditors. Most clients are debt-free in 3–5 years — with thousands saved.
Avg. $21,964 savedA nonprofit on your side — not a lender
Genuine nonprofit
A DOJ-approved 501(c)(3) nonprofit backed by 38 years of industry experience. Our mission is your financial health — not selling you a loan.
Real interest savings
Our creditor agreements can cut interest rates to as low as 0% and lower your minimum payments, so more of every dollar kills your balance.
One simple payment
Stop juggling due dates. Combine your debts into a single, predictable monthly payment you can actually manage.
No damage to your credit
Unlike settlement or bankruptcy, our program is designed with no negative impact to your credit — and many clients see their score improve as balances fall.
Certified counselors
Talk to real, accredited humans who explain every option honestly — including the ones that aren't ours.
Free financial education
Members get access to Credit University and housing, budgeting, and bankruptcy counseling at no extra cost.
Why a nonprofit plan beats the alternatives
Most ways out of debt cost you more — in fees, in interest, or in years of damaged credit. Here's how they really stack up.
| Your option | Cost & interest | Impact on credit | The catch |
|---|---|---|---|
| APFSC ProgramBEST OPTION | Interest cut to as low as 0%, one lower monthly payment, no loan | No negative impact — many clients improve | You pay off what you actually owe — just faster and for far less interest |
| Personal / consolidation loan | High interest + origination fees | New hard inquiry & more debt | You're borrowing more to cover debt — and you need good credit to qualify |
| Mortgage refinance / cash-out | Resets your loan up to 30 years; interest front-loaded | Puts your home on the line | Stretches short-term debt across decades and pays interest first |
| Debt settlement | Typically charges 25–30% of your debt | Seriously damages credit | Your accounts go delinquent on purpose; forgiven debt can be taxed |
| Bankruptcy | Court & attorney fees | Severe damage, 7–10 years | A public record and the hardest path to recover from |
Comparison is general and for education; specifics vary by lender and situation. APFSC is a nonprofit credit counseling agency, not a lender or settlement company.
What our clients say on Google
“APFSC has been an incredible partner in helping me tackle my credit card debt. From our very first conversation, they took the time to understand my full financial picture and laid out a clear, practical plan instead of a generic one-size-fits-all approach. …”
“I had a great experience with this debt consolidation program. The entire process was explained clearly, and the team was professional, responsive, and supportive from start to finish. They helped simplify my payments into one manageable monthly amount, which has reduced a lot of financial stress. I appreciate their transparency and guidance throughout the agreement process. I would highly recommend this service to anyone looking for a practical solution to better manage their debt.”
“Since I have been rolled in this program, I have slept better at night, don’t have to worry about phone calls from creditors and the best thing is that my credit score increased. An automatic payment every month is stress free. …”
Real reviews from our Google Business profile — rated 4.7 out of 5 from 260+ Google reviews. Read them all on Google.
We work directly with the companies you owe
Ready to see your personal savings plan?
Get a free, no-obligation debt analysis from a certified nonprofit counselor. It's confidential, it won't affect your credit, and you'll know your options in minutes.
Certified counselors available Mon–Fri 8am–4pm PST · Se habla español
Frequently asked questions
Is the debt analysis really free?
Yes. Your initial credit counseling session and savings analysis are completely free, with no obligation to enroll in anything. As a nonprofit, our first goal is to help you understand your options.
Will this hurt my credit score?
No. Unlike debt settlement or bankruptcy, our Debt Management Program is designed to have no negative impact on your credit. Reviewing your options is only a soft inquiry, and many clients actually see their credit improve over time as balances go down and payments stay on track.
How is APFSC different from a debt settlement or loan company?
We are a DOJ-approved 501(c)(3) nonprofit — not a lender and not a settlement company. Instead of borrowing more or damaging your credit, we work with your existing creditors to lower interest and consolidate your payments.
How much could I really save?
It depends on your balances and creditors, but our clients save an average of $21,964 in interest. Use the calculator above for a personalized estimate, then a counselor will confirm your real numbers for free.
What kinds of debt can you help with?
We help most with unsecured debt — credit cards, personal loans, medical bills, and collections. We also offer free housing, bankruptcy, and student loan counseling.