Highest Rated Debt Relief Companies: Best Credit Counseling Agencies in 2025
Credit counseling agencies provide essential financial guidance to individuals struggling with debt. These organizations help clients create realistic budgets, negotiate with creditors, and develop long-term strategies to manage and eliminate debt. The best agencies are nonprofit, accredited, and have a proven track record of assisting clients in achieving financial freedom. They offer services such as debt management plans (DMPs), credit report reviews, and financial literacy workshops to empower consumers.
When evaluating credit counseling agencies, it is important to consider accreditation, fees, and customer reviews.

Top Credit Counseling Agencies in 2025
The following agencies are among the highest-rated debt relief companies, known for their reliability, customer service, and effectiveness in helping individuals manage debt.
1. National Foundation for Credit Counseling (NFCC)
The NFCC is one of the oldest and most respected credit counseling organizations in the U.S. It operates a network of member agencies that provide free or low-cost financial counseling. Services include debt management plans, housing counseling, and student loan assistance. NFCC agencies are accredited and adhere to strict ethical guidelines.
2. Money Management International (MMI)
MMI is a nonprofit agency offering comprehensive debt relief solutions, including credit counseling and debt management plans. It provides online tools, educational resources, and personalized counseling sessions. MMI is accredited by the NFCC and FCAA, ensuring high standards of service.
3. GreenPath Financial Wellness
GreenPath specializes in debt management, housing counseling, and student loan assistance. It is known for its compassionate approach and transparent fee structure. GreenPath is accredited by the NFCC and has helped thousands of clients achieve financial stability.
4. American Consumer Credit Counseling (ACCC)
ACCC offers credit counseling, debt management plans, and financial education programs. It is accredited by the NFCC and maintains an A+ rating with the Better Business Bureau (BBB). ACCC provides free initial consultations and affordable monthly fees for DMPs.
5. Consolidated Credit
Consolidated Credit is a nonprofit agency specializing in debt management and financial education. It offers free counseling sessions and customized debt relief plans. The agency is accredited by the NFCC and has a strong reputation for customer satisfaction.
Comparison of Top Credit Counseling Agencies
| Agency | Accreditation | Services Offered | Fees | BBB Rating |
|---|---|---|---|---|
| NFCC | NFCC, FCAA | Credit Counseling, DMPs, Housing Counseling | Free initial consultation, DMP fees vary | A+ |
| MMI | NFCC, FCAA | Credit Counseling, DMPs, Bankruptcy Counseling | Free initial consultation, DMP fees start at $40/month | A+ |
| GreenPath | NFCC | Credit Counseling, DMPs, Student Loan Assistance | Free initial consultation, DMP fees start at $50/month | A+ |
| ACCC | NFCC | Credit Counseling, DMPs, Financial Education | Free initial consultation, DMP fees start at $39/month | A+ |
| Consolidated Credit | NFCC | Credit Counseling, DMPs, Debt Settlement | Free initial consultation, DMP fees start at $45/month | A+ |
How to Choose the Right Credit Counseling Agency
Selecting the best credit counseling agency depends on individual needs and financial goals. Below are key factors to consider:
- Accreditation: Ensure the agency is accredited by the NFCC or FCAA.
- Transparency: Avoid agencies with hidden fees or aggressive sales tactics.
- Customer Reviews: Check BBB ratings and client testimonials.
- Services Offered: Choose an agency that provides the specific help needed, such as DMPs or housing counseling.
- Cost: Compare fees and ensure they fit within the budget.
References
National Foundation for Credit Counseling (NFCC)
Money Management International (MMI)