What is a reasonable fee for a DMP?

Each agency has its own fee structure for DMPs, which typically include an upfront fee and monthly account management charges. For the credit counseling agencies on our list that disclose their DMP fees online, the average setup fee is up to $53 and the average monthly fee is up to $58.

How can I find a credit counseling agency in my area?

If you're searching for a credit counseling agency in your area, you can find one by using the NFCC's Agency Finder tool or the FCAA's Credit Counselor search.

What do credit counselors do?

A certified credit counselor who works for a nonprofit counseling agency can help you in a handful of ways. A counselor can help you build a budget, review your credit reports, prepare to buy a home or avoid eviction or foreclosure, give you advice on how to improve your credit scores, and offer you advice and services for managing debt. And their services are generally free or low cost.

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