Down Payment Assistance Programs: What They Are and How They Work
down payment assistance, home buyer, homeownership
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
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Serving Consumers and the Community Since 1999
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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 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.
"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.
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Safeguarding Your Money and Your Savings from Inflation
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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.