Debt Relief Programs
If you’re feeling overwhelmed by debt in Utah, you’re not alone. From Salt Lake City to St. George and Ogden to Logan, many Utah residents are managing growing credit card balances, student loans, and everyday financial pressure. At APFSC, we offer trusted, non-profit debt relief and credit counseling services designed to help you reduce debt, simplify your finances, and achieve lasting peace of mind.
The Financial Landscape in Utah
The Financial Landscape in Utah
Utah continues to experience population and job growth, but with rising home prices, interest rates, and consumer costs, many families are finding it harder to stay ahead financially. The average credit card debt per borrower in Utah has climbed past $6,000, and the average student loan debt sits at just under $32,000. Roughly 10.4% of residents are actively repaying student loans.
For individuals working in education, tech, healthcare, or seasonal industries, unexpected expenses can quickly push budgets beyond their limits. Credit cards become a short-term solution—but over time, the interest adds up, and so does the stress. That’s where APFSC can help.
How APFSC Helps Utah Residents Manage Debt
We begin with a free consultation to review your current income, expenses, and overall debt. One of our certified counselors will help you understand your options. If appropriate, we’ll create a customized Debt Management Plan (DMP) that allows you to consolidate your unsecured debt into one affordable monthly payment.
With a DMP, you’ll:
- Work with creditors to reduce interest rates
- Stop late fees, penalties, and collections
- Make one easy monthly payment
- Pay off your debt in 3 to 5 years
- Get access to financial education and support tools
You won’t be borrowing more money—you’ll be taking control of what you already owe.
Why Utah Residents Fall into Debt
- Medical emergencies or limited health insurance coverage
- Credit card reliance for rent, gas, or groceries
- Income disruption or business instability
- High student loan balances from higher education
- Lack of savings or financial planning resources
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
What Makes a Debt Management Plan Effective?
A Debt Management Plan is ideal for people who want to repay what they owe but need help organizing payments and negotiating better terms. Once enrolled, you’ll make a single monthly payment to APFSC, and we’ll pay your creditors on your behalf.
Here’s what you can expect:
- Lower interest rates
- No more late fees or collection harassment
- Steady progress toward debt freedom
- Improved credit over time with consistent payments
- Personal coaching to stay on track
This plan works for unsecured debts like credit cards, medical bills, personal loans, and collection accounts. It’s not a quick fix—but it’s a proven path to lasting results.
Know Your Rights in Utah
As a consumer in Utah, you’re protected by both federal and state laws. The Fair Debt Collection Practices Act (FDCPA) shields you from threats, harassment, or dishonest communication from debt collectors. In addition, Utah enforces a statute of limitations—generally four to six years depending on the debt type—which limits how long creditors can take legal action over unpaid debts.
If you’re facing collections or lawsuits, our team can help you understand your options and advocate on your behalf.
Utah Debt Statistics
- Average credit card debt: $6,030
- Average student loan debt: $31,985
- Student loan borrowers: 10.4% of residents
- Total student loan debt in Utah: $11.6 billion
- Average credit score in Utah: 731
Why Choose APFSC?
As a non-profit organization, APFSC is focused on helping you—not profiting from your situation. We offer judgment-free support, transparent options, and actionable steps to help you get back on track.
When you contact us, you’ll speak with a certified counselor who understands the financial challenges unique to Utah. You’ll receive a personalized action plan based on your income, debt, and long-term goals. There’s no obligation, and your first session is completely free.
FAQ
Will a Debt Management Plan hurt my credit score?
Initially, it might dip slightly, but most clients see improvement over time as they make consistent on-time payments.
How long does the program take?
Most people complete their plan in 3 to 5 years, depending on how much they owe.
Can I still use my credit cards?
Once enrolled in a DMP, those accounts are typically closed to help you stay on track.
Is my information kept confidential?
Yes. All consultations and services are private and secure.
Case Studies
Approved agency for all major creditors including:
