Take control of your debt today with a trusted, respected, nonprofit credit counseling agency dedicated to your financial well-being!

Select Your Debt Amount

Reduced Monthly Payment Reduced
Monthly Payment
Lower Interest Rates Lower
Interest Rates
One Single Monthly Payment One Single Payment
Per Month
Payoff in
3-5 Years

Industry Recognition & Accreditation

American Financial Solutions BBB Business Review
US Department of Housing and Urban Development
Wasghinton State Housing Finance Commission

Find options to manage your debt

This site is protected by reCAPTCHA and the Google privacy policy and terms of service apply.

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 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

Financial Zen: Mastering the Art of Stress-Free Money Management

Discover holistic strategies to manage debt-related stress and improve well-being. Our blog covers mindfulness techniques, professional support, actionable debt repayment plans, healthy lifestyle tips, and practical financial steps. Empower yourself with comprehensive guidance to tackle debt and enhance your mental and physical health. Achieve financial zen and well-being with our expert advice.

View Post

Credit Card Debt

Safeguarding Your Money and Your Savings from Inflation

Discover how to protect your savings from inflation with expert strategies. Learn about the impact of rising prices on purchasing power and explore practical tips for budget adjustments, debt reduction, and investment options to maintain your financial stability. Safeguard your wealth against the challenges of inflation and secure your financial future.

View Post

Credit Card Debt

Budget-Friendly Bliss: 10 Creative Ways to Celebrate Dad

Discover budget-friendly ways to celebrate the dads in your life with these creative ideas. Cook a special meal, make handmade gifts, and enjoy outdoor activities like hiking or picnicking. Plan a movie or game night, or work on a DIY project together. Create a coupon book with fun activities or favors, and reminisce over old memories. Organize a virtual gathering if you're apart, garden together, or craft a personalized playlist of his favorite tunes. These thoughtful and inexpensive options ensure a memorable and heartfelt celebration, emphasizing quality time and meaningful connections.

View Post

Credit Card Debt

Credit Repair and the Truth About Bad Credit; American Financial Solutions Provides Tips on the Reality of Managing Negative Credit

If someone has negative credit or a few blemishes, they may be tempted to use a credit repair business to help eliminate damaging information from a credit report. However, it is a risky gamble for a consumer to take. American Financial Solutions Director Becky House, offers tips and advice on using a credit repair business to clean up bad credit.

View Post