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Whether you’re about to deploy and need to know how to handle your credit or you’re making the transition to civilian life, we help protect and ensure your financial freedom.

Learn about options available to military personnel » From serving as a member of the United Way Chairman’s Circle to supporting charities both locally and nationwide, Consolidated Credit is dedicated to promoting financial stability for those most vulnerable to today’s financial challenges. Explore our community outreach programs » Consolidated Credit offers customized financial wellness programs for your business or organization.

A debt management program consolidates all your credit card bills into one, lower monthly payment at a lower interest rate. The traditional method of consolidating debt is to take out one large loan from a bank and use that money to pay off several smaller debts.

That can be effective, unless you have a less-than-perfect payment history and low credit score, which means you may not be approved for a debt consolidation loan or the one you get will carry a high interest rate.

Find infographics that explain key financial processes like credit counseling and strategies to reduce debt.

You can also how financial experts calculate things like interest rates and credit scores.

Help your employees, members or customers find financial success with a range of free resources, from interactive courses and calculators, to self-help guides.

You don’t need a loan to eliminate credit card debt.

Find your way home » Whether you need help with budgeting and saving, you want to maximize your credit, or you’re planning ahead for a major life event, we have the personal finance advice you need to get ahead.

Make your financial plan » [On-screen text] Holiday Shopping Tips Narrator: Use a list of who you are shopping for and what you plan to buy, and stick to it! Don’t get distracted by retailers’ “bargain” ploys. Narrator: If you have children, help them set a gift budget and prioritize their shopping.

Using debt consolidation » Credit cards offer a unique challenge when it comes to debt due to high interest rates and minimum payments that barely make a dent in your balances. Take control of your credit » Your home is your most important asset and we can help you protect it!

From reverse mortgages for seniors to counseling for first-time homebuyers, our HUD-certified team is here to help.

With the right help, you can overcome any obstacle to find relief.