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In 21 years, American Financial Solutions has assisted over 450,000 people in paying off over $9 Billion in debt. Our certified counselors will help you to determine your current financial situation, make a plan to get out of debt, set financial goals and plan for the future.

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and your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.

Debt Management

A Debt Management Plan consolidates your debt payments into one easy monthly payment and helps you get lower interest rates and fees so that you can get out of debt for good.  Learn more

Credit Counseling

Our certified counselors will review your financial situation in a confidential session and pull your credit report if needed. They will then review the options available and help you choose the one that's best for you.  Learn more

Student Loan Counseling

Speak to a counselor who can help you find the resources to successfully manage your student loans. If you are confused or overwhelmed about managing your student loan debt, we will find answers that meet your needs.  Learn more

Bankruptcy Counseling

American Financial Solutions (AFS) is approved* by the Executive Office of the United States Trustees (EOUST) to provide the required pre-filing counseling and post-bankruptcy education and issue certificates.  Learn more

Education & Tools

Find answers to your credit, debt & budgeting questions via our blog, classes and calculators and get answers to your burning credit, debt & budgeting questions via our online classes, blog and targeted resources.  Learn more

Credit Report Review

A credit counselor can pull and review your credit report and score with you and help you establish a plan for managing your credit and debts.  Learn more

Home Ownership

More and more lenders require housing counseling prior to granting a loan. We provide comprehensive counseling to help you become mortgage ready and understand the ins and outs of purchasing and owning a home.  Learn more

Foreclosure Prevention

Our skilled housing counselors will help you understand the foreclosure process and review options to help you avoid foreclosure which may include working with you and your lender to negotiate new mortgage terms.  Learn more

American Financial Solutions is a non-profit credit counseling, financial education, and debt consolidation agency. And we're here to help you get out of debt for good. We understand what you're going through, and our certified counselors are here to listen to you and empower you to get your finances under control. When you've reduced your monthly fees and interest rates, and freed yourself from creditors' calls, you'll look at life in a whole different way. Struggling with financial issues other than credit card debt? We may be able to help. See our complete list of consumer credit counseling services on your right. American Financial Solutions does business as AFS Credit Counseling in the states of Arizona, Illinois, Nebraska and New Hampshire.

Client Sentiment

"Thanks! It is amazing how much more money you actually have when you know EXACTLY how you spend it. Getting on your program has really helped us get spending back in control."

- Greg P.

Recent Blog Posts

Browse our recent blog articles and you will see and learn about the various ways AFS can help you, as well as educate yourself.

Credit Card Debt

Heading Back to School During Inflation

Across the United States, parents are preparing for students to return to school. And with that comes needed supplies, clothing, equipment for extracurricular activities, and more. So, we thought we’d provide some ideas on ways to reduce or mitigate some back-to-school expenses. Many of these ideas come from our own staff who are also dealing with the rising costs of sending kids to school.

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