Why Living Paycheck to Paycheck Doesn’t Mean You’re Bad With Money
Living paycheck to paycheck is often a cash-flow timing problem, not a failure. Learn why it happens and how better timing can reduce stress.
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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 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.
Buy Now, Pay Later: When “Pay in 4” Fits — and When Small Payments Add Up
Buy Now, Pay Later spreads costs into small payments, but stacking multiple plans can strain budgets. Learn what to watch for.
Why Money Changes Feel Hard (and 9 Behavioral Economics Tricks That Help)
Money decisions feel hard for a reason. Learn how stress, scarcity, and behavioral economics shape money choices—and what can actually help.
How to Save Money on a Tight Budget: Tiny Habits That Create Big Change
Discover easy ways to start saving money, build financial habits, and grow an emergency fund — even with just $1. Simple steps, small wins, real progress.