American Pacific Financial Services Corp.
A 501(c)(3) Nonprofit Organization
Choose Your Credit Card Debt Amount for a Free Savings Analysis and Free Credit Report
APFSC is a U.S. Department of Justice–approved 501(c)(3) nonprofit credit counseling agency. All Credit Counseling sessions are offered free of charge in compliance with federal and state guidelines.
What Is Debt Consolidation?
Debt consolidation is the process of combining multiple unsecured debts—typically credit cards, medical bills, or personal loans—into one monthly payment. The goal is to make repayment easier to manage and more affordable by reducing interest rates and streamlining the process.
Unlike taking out a new loan, a nonprofit debt management approach doesn’t require good credit or collateral. Instead, it relies on creditor cooperation and a customized repayment plan designed by certified credit counselors. This means even if your credit score has suffered, you may still qualify for a debt consolidation strategy that fits your financial situation.
Who Is Debt Consolidation For?
Debt consolidation may be ideal if you’re feeling overwhelmed by your monthly payments but are still able to make consistent contributions toward your debt. It’s not a quick fix—but it is a disciplined way to repay your balances without falling further behind.
This approach works best for individuals with multiple high-interest debts, especially those who are looking for a structured way to become debt-free over a few years. It’s also ideal for people who want to avoid bankruptcy and stop juggling payments across multiple accounts.
Benefits of Debt Consolidation Through APFSC
Here’s what makes our nonprofit debt consolidation approach effective:
- One monthly payment instead of multiple
- Lower interest rates negotiated with creditors
- Faster debt payoff timeline (often 3 to 5 years)
- Reduced or eliminated late fees and penalties
- Personalized repayment plan tailored to your budget
This structure not only saves money but also reduces stress. You know exactly what you owe, how much you’re paying, and when you’ll be debt-free.
Common Types of Debt Eligible for Consolidation
While every case is different, most unsecured debts can be consolidated under a nonprofit program. Here are the most commonly included:
Secured debts like car loans or mortgages typically aren’t eligible, but our team can help you focus on the debts that matter most and offer guidance on managing your full financial picture.
Step-by-Step: How the Program Works
Debt consolidation isn’t about adding more debt — it’s about simplifying what you already owe. Our certified counselors work with your creditors to lower interest rates and combine your payments into one manageable monthly plan, helping you pay off debt faster without taking out a new loan or hurting your credit.
Start with a Free Consultation
Connect with a certified credit counselor who will assess your income, expenses, and debts to recommend the best repayment strategy.
Customized Repayment Plan
If suitable, we’ll negotiate with your creditors to lower interest rates and combine your debts into one manageable monthly payment.
One Payment, We Handle the Rest
You send us one monthly payment — we take care of distributing it to all your creditors efficiently.
No New Loans or Credit Checks
You don’t need to qualify for a new loan or negotiate yourself. We manage everything while you focus on becoming debt-free.
Dive Deeper: Everything You Need to Know
Frequently Asked Questions
What is debt consolidation?
It combines multiple debts into one new loan with a single monthly payment.
Does this lower my interest rate?
Often, yes—especially with good credit or secured consolidation options.
Is my credit score affected?
You may see a short-term dip, but responsible repayment improves your score.
What debts can I consolidate?
Typically credit cards, personal loans, and other unsecured debts.
Will this eliminate my debt?
No, it reorganizes your debt—payoff still depends on your repayment.
Do I need collateral?
Only for secured loans like home equity-based consolidation.
Let’s Simplify Your Debt Together
Tired of juggling multiple payments? Consolidation could be your path to one simple, manageable plan. Talk to us and see how we can make it easier for you.
Call, text, email, or chat — we’ll walk you through your best options.
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