5 Signs You Need Professional Credit Counseling Services
American Financial Solutions is dedicated to providing credit and debt counseling and financial education to consumers...
Take control of your debt today with a trusted, respected, nonprofit credit counseling agency dedicated to your financial well-being!
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More than $10 billion in debt paid
98% Client Satisfaction Rating
Over 500,000 clients empowered with a Debt Management Plan
Serving Consumers and the Community Since 1999
Call us at 888-282-5899
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 moreCredit 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 moreStudent 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 moreBankruptcy 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 moreEducation & 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 moreCredit 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 moreHome 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 moreForeclosure 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 moreAmerican Financial Solutions is a leading non-profit credit counseling agency dedicated to helping individuals and families regain control of their finances through debt management plans (DMPs) and comprehensive financial education. Our certified counselors are here to provide personalized support, helping you reduce your interest rates, consolidate your payments, and eliminate creditor calls. As a trusted provider of debt consolidation services, we empower you to achieve financial freedom by tackling credit card debt, student loans, and other unsecured debts. We also offer resources for individuals facing broader financial challenges, ensuring you have access to the tools and guidance needed to build a stable financial future. American Financial Solutions operates as AFS Credit Counseling in Arizona, Illinois, Nebraska, and New Hampshire, continuing our mission to deliver life-changing debt relief across the nation. Let us help you break free from debt for good and embrace a brighter financial outlook.
"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.
From Conflict to Clarity: Making Money Conversations Work
Money can bring couples closer—or drive them apart. This blog offers practical guidance for having healthy, honest conversations about finances with your partner. From uncovering money stories and setting shared goals to creating a system that works for both of you, you'll find tools to strengthen trust and build a financial life together. Whether you’re just starting out or resetting long into a relationship, these tips can help turn money talks into moments of connection—not conflict.
Consolidation Loans vs. Debt Management Plans: Which is Better?
Compare consolidation loans vs. debt management plans to find the best debt relief option for your finances. Learn how each strategy works with AFS.
Not All Credit Builder Loans Are Equal, Here’s How to Choose
Credit builder loans can be a smart way to improve your credit—but only if you choose the right one. In this post, we explain how they work, what to watch out for, and how to decide if it’s the right step for your financial goals.