# Consolidated Credit: Consolidated Credit > With over 10 million people helped since 1993, Consolidated Credit can help you find debt relief through credit counseling and debt management\. Generated by Yoast SEO v28.7, this is an llms.txt file, meant for consumption by LLMs. ## Pages - [Ana Maria Ceballos](https://www.consolidatedcredit.org/certified-credit-experts/ana-maria-ceballos/) - [About Us](https://www.consolidatedcredit.org/about-us/) - [Reviews](https://www.consolidatedcredit.org/reviews/) - [How to Manage Debt](https://www.consolidatedcredit.org/credit-card-debt/management/how-to-manage-debt/) - [Debt\-to\-Income Ratio Calculator](https://www.consolidatedcredit.org/calculators/debt-to-income-ratio/) ## Posts - [The 2026 Money Confidence Roadmap: Optimize, Reflect, and Launch Into 2027 Strong](https://www.consolidatedcredit.org/financial-news/finish-2026-strong-your-q4-money-confidence-roadmap-consolidated-credit/): The fourth quarter of Consolidated Credit's 2026 Money Confidence Roadmap can help you close out the year with your finances in better shape than you started it\. - [Nonprofits Need Nonprofits\. Here’s Why\. ](https://www.consolidatedcredit.org/financial-news/nonprofits-need-nonprofits-heres-why/): Consolidated Credit launches a new and crucial annual event\. - [Believe the Math, Not the Hype](https://www.consolidatedcredit.org/financial-news/believe-the-math-not-the-hype/): When it comes to getting rid of debt, do your research but draw your own conclusions\. - [2026 Money Confidence Roadmap: The Emergency Fund Gap Behind America's Credit Card Habit](https://www.consolidatedcredit.org/financial-news/2026-money-confidence-roadmap-the-emergency-fund-gap-behind-americas-credit-card-habit/): Americans are increasingly using credit to cover everyday costs\. Building a cash cushion can help break the borrowing cycle when unexpected expenses arise\. - [Rents Are Rising Fast](https://www.consolidatedcredit.org/financial-news/rents-are-rising-fast/): And home prices are still out of reach for many Americans\. ## Infographic - [2015 Tax Prep Checklist](https://www.consolidatedcredit.org/infographics/2015-tax-prep-checklist/) - [Smart Identity Theft Protection Tips](https://www.consolidatedcredit.org/infographics/identity-theft-protection/) - [Valentines Gifts and Your Wallet](https://www.consolidatedcredit.org/infographics/valentines-gifts-wallet/) - [Last\-Minute Holiday Shopping Tips](https://www.consolidatedcredit.org/infographics/last-minute-shopping-tips/) - [American Spending Statistics](https://www.consolidatedcredit.org/infographics/american-spending-statistics/) ## Ask The Experts - [Can I Consolidate Debt Consolidation Loans?](https://www.consolidatedcredit.org/ask-the-experts/can-i-consolidate-debt-consolidation-loans/) - [How Do I Rebuild My Credit Score?](https://www.consolidatedcredit.org/ask-the-experts/how-to-raise-your-credit-score/) - [Should My Parents Get a Reverse Mortgage?](https://www.consolidatedcredit.org/ask-the-experts/should-my-parents-get-a-reverse-mortgage/) - [Is a Home Equity Loan a Good idea?](https://www.consolidatedcredit.org/ask-the-experts/is-a-home-equity-loan-a-good-idea/) - [What is a Housing Counselor and How Can They Help?](https://www.consolidatedcredit.org/ask-the-experts/what-is-a-housing-counselor/) ## Booklets - [2026 Money Confidence Roadmap](https://www.consolidatedcredit.org/library/2026-money-confidence-roadmap-2/) - [Breaking Down Buy Now, Pay Later: The True Cost of Convenience](https://www.consolidatedcredit.org/library/breaking-down-buy-now-pay-later-the-true-cost-of-convenience/) - [Financial Preparation for Life After Divorce](https://www.consolidatedcredit.org/library/divorce-your-credit-booklet/) - [Keys to Homeownership: Your Guide to Buying a Home Smartly \& Confidently](https://www.consolidatedcredit.org/library/homebuyer-guide/) - [Understanding Your Credit Card Statement](https://www.consolidatedcredit.org/library/how-to-read-a-credit-card-statement/) ## Case Studies - [Greg, A](https://www.consolidatedcredit.org/case-studies/greg-a/) - [Michael, V](https://www.consolidatedcredit.org/case-studies/michael-v/) - [pamela B](https://www.consolidatedcredit.org/case-studies/pamela-b/) - [Sonia, C](https://www.consolidatedcredit.org/case-studies/sonia-c/) - [Rebekah, R](https://www.consolidatedcredit.org/case-studies/rebekah-r/) ## Debt Stories - [Debt Delayed Her Dream – but It Didn’t Defeat It](https://www.consolidatedcredit.org/debt-stories/debt-delayed-her-dream-but-it-didnt-defeat-it/): Before she opens her cafe, Paula called Consolidated Credit\. - [Can Mold Cause Debt? It Did for This Couple](https://www.consolidatedcredit.org/debt-stories/can-mold-cause-debt-it-did-for-this-couple/): When Bob and Christina got sick, so did their finances\. - [A Story of Resiliency: How Consolidated Credit Helped Caty K\. Face Debt Twice](https://www.consolidatedcredit.org/debt-stories/a-story-of-resiliency-how-consolidated-credit-helped-caty-k-face-debt-twice/) - [How to Get Out of $10,000 in Debt](https://www.consolidatedcredit.org/debt-stories/how-to-get-out-of-10000-in-debt/): All it takes is a family business and a divorce\. - [Acting Like She Wasn’t in Debt](https://www.consolidatedcredit.org/debt-stories/acting-like-she-wasnt-in-debt/): She studied acting in London but went broke in Hollywood\. ## Latest Study - [Debt Management Program Survey: Over Half Don’t Get Help Until They Owe Five Figures](https://www.consolidatedcredit.org/research/dmp-survey/) ## Press Releases - [Consolidated Credit Honored with American Dream Builder Award at 13th Annual Broward Entrepreneur Summit](https://www.consolidatedcredit.org/press-releases/consolidated-credit-honored-with-american-dream-builder-award-at-13th-annual-broward-entrepreneur-summit/): The prestigious award celebrates service providers who go above and beyond in guiding, educating, and empowering emerging entrepreneurs\. - [Consolidated Credit and Broward Housing Solutions Partner to Host Financial Education Workshop](https://www.consolidatedcredit.org/press-releases/consolidated-credit-and-broward-housing-solutions-partner-to-host-financial-education-workshop/): Consolidated Credit and Broward Housing Solutions provide financial education tools to build stronger communities\. - [Consolidated Credit Participates in “Money Moves” Financial Literacy Summit](https://www.consolidatedcredit.org/press-releases/consolidated-credit-participates-in-money-moves-financial-literacy-summit/): Consolidated Credit grows community partnerships with attendance at Money Moves Financial Literacy Summit\. - [Consolidated Credit Strengthens Community Partnerships at Partners in Purpose Event](https://www.consolidatedcredit.org/press-releases/consolidated-credit-strengthens-community-partnerships-at-partners-in-purpose-event/): Consolidate Credit is committed to helping individuals and families achieve and improve financial well\-being in the community\. - [Generational Wake\-Up Call: Young Adults Buckle Under Credit Pressure](https://www.consolidatedcredit.org/press-releases/generational-wake-up-call-young-adults-buckle-under-credit-pressure/): Millennials and Gen Z face uncertain financial future\. ## Education Quizzes - [Financial Literacy Test](https://www.consolidatedcredit.org/cuestionarios-educativos/financial-literacy-test/) - [Understanding Credit](https://www.consolidatedcredit.org/cuestionarios-educativos/understanding-credit/) - [Youth Financial Literacy Test](https://www.consolidatedcredit.org/cuestionarios-educativos/youth-financial-literacy-test/) - [Are you a good candidate for a debt consolidation loan?](https://www.consolidatedcredit.org/cuestionarios-educativos/are-you-a-good-candidate-for-a-debt-consolidation-loan/) - [Is Debt Settlement Your Best Option for Debt Relief?](https://www.consolidatedcredit.org/cuestionarios-educativos/is-debt-settlement-your-best-option-for-debt-relief/) ## Financial Education Videos - [The New Rules for Student Debt](https://www.consolidatedcredit.org/videos/the-new-rules-for-student-debt/) - [Smart Savings Strategies for Your Dream Vacation](https://www.consolidatedcredit.org/videos/smart-savings-strategies-for-your-dream-vacation/) - [Budgeting, Savings, and Credit for Homeownership](https://www.consolidatedcredit.org/videos/budgeting-savings-and-credit-for-homeownership/) - [2025 Holiday Survival Guide](https://www.consolidatedcredit.org/videos/2025-holiday-survival-guide/) - [Mental and Financial Health](https://www.consolidatedcredit.org/videos/mental-and-financial-health/) ## Video Playlist - [Community Outreach \(Financial News Page\)](https://www.consolidatedcredit.org/video-playlist/community-outreach/) - [Community Outreach \(All Time\)](https://www.consolidatedcredit.org/video-playlist/community-outreach-all-time/) - [Budgeting](https://www.consolidatedcredit.org/video-playlist/budgeting/) - [Game of Good Credit](https://www.consolidatedcredit.org/video-playlist/game-of-good-credit/) - [Housing Success Stories](https://www.consolidatedcredit.org/video-playlist/housing-success-stories/) ## Categories - [Money Management](https://www.consolidatedcredit.org/financial-news/category/money-management/) - [Debt](https://www.consolidatedcredit.org/financial-news/category/debt/) - [Credit](https://www.consolidatedcredit.org/financial-news/category/credit/) - [Housing](https://www.consolidatedcredit.org/financial-news/category/housing/) - [Company](https://www.consolidatedcredit.org/financial-news/category/company/) ## Categories - [Debt Elimination](https://www.consolidatedcredit.org/ask-the-experts/category/debt-elimination/) - [All About Credit](https://www.consolidatedcredit.org/ask-the-experts/category/all-about-credit/) - [Mortgage \& Homeownership](https://www.consolidatedcredit.org/ask-the-experts/category/mortgage-and-homeownership/) - [Credit Score](https://www.consolidatedcredit.org/ask-the-experts/category/credit-score/) - [Family Finance](https://www.consolidatedcredit.org/ask-the-experts/category/family-finance/) ## Optional - [Sitemap index](https://www.consolidatedcredit.org/sitemap_index.xml)