Happy mother and daughter.

Score A Better Future™

Free financial coaching from MMI, courtesy of FICO.

Welcome to Money Management International! We're excited to offer free one-on-one financial counseling as part of FICO's Score A Better Future™ program.

What happens during financial coaching?

Reaching your financial goals can be challenging for a lot of different reasons, from a low credit score to high debt balance and all the factors in between. Our experts will help you better understand your financial situation and provide guidance on how to make your money and credit goals a reality.  

  • Together, we’ll review your income, expenses, debts, and credit to determine where you stand and what needs to change. 
  • Once we understand your unique challenges and goals, we’ll provide advice and additional resources to help you start making meaningful progress.
  • If appropriate, we'll direct you toward counseling and education programs to help address your unique challenges.
Online counseling available 24/7

Enter debt, income, and expense information to get personalized advice.

Get started

Frequently Asked Questions

Questions or concerns? We're here to answer your questions.

Who is MMI?

MMI (Money Management International) is the nation's largest nonprofit credit counseling agency. For over 60 years, our goal has been to change how America overcomes financial challenges through coaching, innovative programs, and consumer advocacy.

Does this coaching cost anything?

Financial coaching as part of FICO's Score A Better Future™ program is free.

Are services available in Spanish?

MMI offers services in Spanish and English.Services are available in English and Spanish. Additional languages are available via an interpreter service.

Get the support and resources you deserve

MMI offers in-depth credit counseling and debt repayment solutions. Begin online or connect with a representative over the phone for additional assistance.

Call MMI to start your debt management plan.
Connect by phone
Talk to a counselor or schedule an appointment.
877-741-2227
Start online counseling. See how much you can save by consolidating your debt with MMI.
Begin counseling session online
Share basic financial info and get a personalized action plan
Get Started
  • MMI is a proud member of the National Foundation for Credit Counseling (NFCC) 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.
  • Council on Accreditation - official seal 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.
  • Financial Counseling Association of America 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.
  • Department of Housing and Urban Development - Equal Housing Opportunity 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.