Organizations That Offer Free or Low-Cost Credit Counseling to Native Americans

Native Americans who find they are in credit card debt or have low credit scores have options, which include turning to credit counseling. Millions of people around the country are suffering from credit card debt that is rising with high interest rates. Many of those people, including countless Native Americans, are not sure what to do in order to get out of the credit card debt that they are in, especially as it continues to rise with large amounts of interest being added to the balance each month. Others need to know how to go about improving their credit score, so they can be approved for loans or jobs. The situation is frustrating and can create financial hardship.

The good news is that there are many organizations around the country that offer free or low-cost credit counseling, which will help get you back on track. Credit counseling can be an important step in order to help you determine the best route for getting your balances paid down, improving your credit score, strengthening your overall credit portfolio, and more. Having a professional assess your situation and help you make a successful plan to get back on track and strengthen your credit situation.

Here are some organizations that offer free or low-cost credit counseling to Native Americans:

National Foundation for Credit Counseling (NFCC)

The National Foundation for Credit Counseling (NFCC) offers certified credit counselors to help Native Americans with their credit situation. The counselor will review your current credit situation. They will review your credit report, offer solutions regarding your situation, and help you develop a plan. Most people they provide this service to qualify to receive it for free, while others obtain the service a low cost. Their services cover counseling regarding credit and debt, bankruptcy, housing, credit card reviews, and debt management. The counseling sessions are available in person, online, and over the phone. To apply for the program, call them at 800-388-2227, or find a NFCC member agency online.

Consumer Credit Counseling Services (CCCS)

Consumer Credit Counseling Services (CCCS) helps Native Americans by providing free or low-cost credit counseling. Certified credit counselors work with you in order to review your current credit situation and to devise a plan that will help you improve upon your situation. CCCS aims to help people reduce their monthly payments, lower interest rates, and create an affordable payment plan. The counselors will also help you create household budget that will help you to save money and reduce your amount of debt. To apply, contact them to speak with a credit counseling coach.

Debt Wave Credit Counseling

The mission of Debt Wave Credit Counseling is to teach you how to manage your credit card debt so that you can become debt free within 3-5 years. They offer low-cost credit counseling and provide a money back guarantee if you are not satisfied. Their services include credit counseling sessions, a debt management plan, and a financial education program. To apply to use their services, contact them online or call 888-686-4040.

Catholic Charities USA

There are many helpful services offered to Native Americans through Catholic Charities USA, including free credit counseling. The organization has many chapters around the country, and many of the free service to help people gain a better understanding of consumer debt and to help them devise a plan to manage it and become debt free. The organization will work with people to devise a household budget, which will help get people on track, paying down debt, and on the right track to becoming debt free. To apply for their program, locate a Catholic Charities near you to see if they offer the service at that location.

Financial Counseling Association of America

The Financial Counseling Association of America offers Native Americans access to certified credit counselors for free or at a low cost. Their mission is to help debt-challenged families by providing them with counseling in the areas of financial education, credit report reviews, housing assistance, bankruptcy certificates, and more. For more information on their services, visit their site, where you can find one of their participating debt counselors in your area.

These are some options to help Native Americans who need free or low-cost credit counseling. You may find additional free or low-cost programs being offered through local nonprofit organizations, such as churches. Be sure to look for those additional programs in your specific area.