Do Debt Differently

Reduce your stress and get out of debt with MMI:

7x faster than doing it alone

In as little as 24 months

With one, affordable monthly payment

While improving your credit score 80 points or more

How does it work?

Our counselor reviews your credit card debt and recommends the best way to pay it off. With MMI you can do debt differently – whether you need help budgeting or are ready for a debt management plan (DMP). It’s as easy as:

Step 1 — Complete a free online financial analysis
Step 2 — Get a custom recommendation
Step 3 — Make one monthly payment and we’ll handle the rest*

*If recommended for a DMP.

How can MMI help me save more and get out of debt faster?

You’re not alone. Here are some of the most commonly asked questions – and answers – about MMI debt solutions.

How will working with MMI impact my credit?

On average, debt management plan (DMP) clients see an 82 point improvement after completing their program. Your credit score may initially dip as your credit accounts are closed. Your score should improve as you make required monthly payments.

What costs and fees should I expect?

Our online credit and debt review is free. We may recommend a debt management plan, or DMP, which includes an initial set-up fee ($33-$75) and ongoing monthly fee ($25-$59). Average fees vary based on where you live and your debt level.

How soon will I be out of debt?

You could be debt-free in 24-48 months. Most DMPs are designed to be completed in five years or less. Reduced interest rates and easy single monthly payments allow you to get control of your debt much faster (7x faster!) than continuing to pay the minimum on your own.

Will you talk to my creditors?

Every MMI credit counseling session is completely confidential. We will only contact your creditors if you decide to begin a DMP, in order to set up your repayment plan.

How does a debt management plan differ from debt consolidation loans?

With debt consolidation loans your interest rate may be higher if your credit score’s not so good. DMP interest rates could be 74% lower – meaning you pay less and get out of debt faster. However, you cannot open new credit lines until a DMP is complete.

How do I get started?

Our free online debt review is the first step to reducing your financial stress and moving forward beyond debt. We can help stop those creditor calls and get you into an easy, lower-interest monthly payment to be debt-free faster.

We’re a nonprofit dedicated to helping people overcome their biggest financial challenges. We know firsthand the sacrifices families make to get out of debt.

That’s why it’s so important that if you’re struggling with debt, there’s another way. A better way. A different way to do debt.

MMI clients in the news

Getting out of debt shouldn’t mean only eating instant ramen and selling your kidney. MMI is here when you’re ready to begin your journey to debt freedom.

Learn about a Debt Management Plan from MMI.

Learn about debt management plans

See if this powerful debt repayment tool is right for you.

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Better Business Bureau

MMI is proud to have achieved an A+ rating from the Better Business Bureau (BBB), a nonprofit organization focused on promoting and improving marketplace trust. The BBB investigates charges of fraud against both consumers and businesses, sets standards for truthfulness in advertising, and evaluates the trustworthiness of businesses and charities, providing a score from A+ (highest) to F (lowest).
Financial Counseling Association of America

MMI is a proud member of the Financial Counseling Association of America (FCAA), a national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services.
Trustpilot

MMI is rated as “Excellent” (4.9/5) by reviewers on Trustpilot, a global, online consumer review platform dedicated to openness and transparency. Since 2007, Trustpilot has received over 116 million customer reviews for nearly 500,000 different websites and businesses. See what others are saying about the work we do.
Department of Housing and Urban Development

MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
Council On Accreditation

MMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA’s thorough, peer-reviewed accreditation process is designed to ensure that organizations like MMI are providing the highest standard of service and support for clients and employees alike.
National Foundation for Credit Counseling

MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.