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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.


American Financial Solutions is dedicated to providing credit and debt counseling and financial education to consumers to help them make sound financial decisions and find debt solutions to improve their financial futures. One of the debt solutions available to our clients is participation in a debt management plan, which unlike a debt consolidation loan, works with a client's current creditors, creating a plan of action to repay those debts under the best terms possible. Debt Management is not the right solution for everyone and working one on one with a certified credit counselor will help identify the best debt solution for you.

Debt counseling involves meeting, either in person or by phone, with a certified credit counselor who will review your entire financial situation including your income, expenses, secured debts and unsecured debts and developing a plan to help you achieve your financial goals while becoming debt free. American Financial Solutions (AFS) credit counselors are accredited through the Association for Financial Counseling and Planning Education and participate in ongoing education in order to provide consumers with the most effective methods for managing their debt.

Our credit counselors are compassionate, non- judgmental, highly trained individuals who are able to analyze your financial situation and provide options to help. When you contact AFS to discuss your debt, you will work with the same counselor all the time. We understand that it can be stressful to discuss your finances with a stranger and that is why we use this model so that you will only have to tell your story once. Your counselor will be there to guide you and help you make the tough decisions that are needed to help you get out of debt for good.

One of the most important outcomes of debt counseling is formulating a plan and a budget and sticking to it. This involves learning new habits and setting old ones aside. On our website, you will find a variety of tools to assist you with this. We offer free on line classes, budget tools and financial calculators. Your counselor will recommend that you use these tools as part of your plan. The options available through debt counseling may include, working directly with your creditors and tightening your budget in order to pay down your debt. AFS offers a Debt Management Plan where you can consolidate all of your unsecured debt payments into one convenient monthly payment on a day of your choosing. Creditors generally give the following benefits to those enrolled on a Debt Management Plan:

  • lower interest rates
  • waived fees
  • lower monthly payments
  • stop collection calls

If neither of these solutions is appropriate, there are other options available through debt counseling that your counselor will discuss with you. There are so many circumstances that cause people to get into debt and the good news is there are options available to work your way out. Our debt counseling services are confidential and free of charge so please call a counselor today or get started with our on line application.

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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