Debt Relief Programs
If you’re living with debt in Arizona, you’re not alone. From Phoenix and Tucson to Mesa, Glendale, and Flagstaff, many Arizonans are facing growing credit card balances, student loans, and rising living expenses. At APFSC, we offer proven, non-profit debt relief and credit counseling services to help you reduce your financial burden and build a more stable future.
The Growing Debt Problem
Arizona’s Rising Debt Problem
Arizona’s economy has grown in recent years, but so have the costs of housing, transportation, and healthcare. The average credit card debt per borrower is over $6,000, and the average student loan debt exceeds $34,000. Roughly 12% of residents carry student loan balances, and many households are turning to credit cards just to manage essential expenses.
Add to that an increase in interest rates, limited savings, and variable job markets—and it becomes clear why so many Arizonans are overwhelmed by debt. That’s why APFSC provides structured solutions designed for your real life.
How APFSC Helps Arizona Residents Pay Off Debt
We begin with a free consultation, where a certified credit counselor reviews your income, debts, and expenses. If you’re eligible, we’ll develop a customized Debt Management Plan (DMP) that consolidates your unsecured debts into one simple monthly payment—usually with reduced interest rates and fewer fees.
A DMP gives you:
- One monthly payment that fits your budget
- Lower interest rates negotiated with your creditors
- Waived late fees and fewer collection calls
- A path to becoming debt-free in 3 to 5 years
- Financial education and budgeting tools for long-term success
This is not a loan—it’s a personalized repayment plan to help you resolve debt without additional borrowing.
Why Arizonans Fall Into Debt
- Rising housing prices, especially in urban areas
- Out-of-pocket medical expenses and insurance gaps
- Credit card reliance for everyday essentials
- Job loss or reduced income in tourism and service sectors
- High student loan burdens after graduation
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
Why a Debt Management Plan Works
A Debt Management Plan is a structured, efficient way to repay unsecured debts such as credit cards, personal loans, and medical bills. You’ll make a single monthly payment to APFSC, and we’ll distribute those funds to your creditors—often with better terms.
Benefits of a DMP include:
- Reduced interest rates from most major creditors
- Fewer missed payments and less stress
- Collection activity is paused or stopped
- Steady credit improvement through on-time payments
- Ongoing support from certified credit counselors
Most clients complete their program in 3 to 5 years, depending on their total debt and what they can comfortably afford each month.
Arizona Debt Statistics
- Average credit card debt: $6,089
- Average student loan debt: $34,560
- Residents with student loans: 12.0%
- Total student loan debt in Arizona: $31.7 billion
- Average credit score in Arizona: 712
Why Arizona Residents Choose APFSC
As a highly trusted non-profit organization, APFSC is dedicated to helping people—not profiting off them. We don’t offer loans or sell quick fixes. Instead, we provide real solutions backed by education, empathy, and experience.
With APFSC, you receive:
- Individual support from certified credit counselors
- A custom repayment plan that works for you
- Direct negotiations with your creditors
- Tools to help manage your money and stay debt-free
- Encouragement and support throughout your journey
Thousands of Arizonans have already trusted APFSC to help them become debt-free—and now it’s your turn.
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:
