Steps
Get a Free, Personalized Savings Estimate
No two financial situations are the same. That’s why we offer a complimentary consultation with one of our certified credit counselors. In just a few minutes, you’ll receive:
- A clear breakdown of your current debt situation
- An estimate of how much you could save through our program
- A customized monthly payment plan
- A timeline for becoming debt-free
Take the First Step Toward Financial Freedom
There’s no obligation—just clarity. Find out how much you could save and gain peace of mind with expert guidance from APFSC. Our mission is to empower you with the tools and support needed to achieve long-term financial wellness. Also wondering how long it will take to pay off your debt? Use our Debt Management Calculator to get an estimate of your new monthly payment and payoff timeline.
Problem Statement
Why Choose Our Debt Relief Program?
As a nonprofit organization, our priority is you—not profit. Unlike for-profit debt relief companies, we exist solely to empower our clients with long-term financial health. Here’s what sets us apart:
We Work Directly with Creditors
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We negotiate lower interest rates—some as low as 0%
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Reduce or eliminate late fees and penalties
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Consolidate all eligible unsecured debt into one monthly payment
We Protect Your Credit
Our DMP is structured to keep your credit intact, and in many cases, clients see improvements to their score over time as debts are paid down responsibly.
We Create a Customized Plan for You
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No one-size-fits-all templates
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Your counselor will review your full financial pictur
Benefits
Benefits of Our Debt Relief Program
Reduced Interest, Real Savings
We work directly with your creditors to significantly lower your interest rates. With less money going toward interest, you’ll save more and pay off debt faster—without taking out a new loan.
One Affordable Monthly Payment
Say goodbye to juggling multiple bills. Our Debt Relief Programs roll everything into one easy monthly payment tailored to your budget, making it simpler to stay on track and reduce financial stress.
Faster Debt Freedom
No more feeling stuck. We give you a personalized, step-by-step plan to eliminate debt, rebuild confidence, and move toward lasting financial wellness—all while protecting your credit.
FAQ
What kinds of debt can I include in the program?
Our Debt Management Program typically includes unsecured debts like credit cards, medical bills, personal loans, and collection accounts. Mortgages, auto loans, and student loans are not eligible but may still be discussed during your free consultation.
Will this hurt my credit score?
Not at all. In fact, many clients see their credit improve over time. Since you’ll be making consistent payments and reducing your balances, your credit health can strengthen throughout the program.
Do I have to take out a new loan?
No. Our program is not a loan. Instead, we work with your existing creditors to reduce interest rates and consolidate your payments—without requiring new debt or affecting your credit report.
How do I find out how much I can save?
It starts with a free, no-obligation consultation. One of our certified credit counselors will review your current situation and show you exactly how much you could save by enrolling. It’s fast, confidential, and completely judgment-free.
Still have questions? We’re here to help!
If you need more information or personalized guidance, feel free to reach out.
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