Debt Relief Programs
If you’re dealing with debt in Idaho, you’re not alone. From Boise to Coeur d’Alene and Twin Falls, more and more Idahoans are struggling to keep up with credit cards, personal loans, and rising monthly expenses. At APFSC, we offer personalized, non-profit debt relief and credit counseling services to help you reduce your debt, rebuild your credit, and move toward a healthier financial future.
The Growing Debt Problem in Idaho
Idaho’s Growing Debt Challenges
Idaho’s population and housing market have grown rapidly in recent years—but income growth hasn’t kept pace with rising costs. As a result, many residents turn to credit cards to cover daily expenses. The average credit card debt per borrower in Idaho is now over $5,700. At the same time, the average student loan debt in the state has surpassed $33,000, with nearly 11% of residents carrying active student loan balances.
Rising rent, medical expenses, and fluctuating work hours add more pressure—especially for families trying to make ends meet. Without a clear plan, these debts can quickly snowball, leaving you feeling stuck. That’s where APFSC comes in.
How APFSC Supports Idaho Residents
We begin with a free, no-obligation consultation where our certified credit counselors assess your income, expenses, and total debt. If you qualify, we create a customized Debt Management Plan (DMP) that can significantly reduce your interest rates and consolidate your bills into one predictable monthly payment.
With our help, you can:
- Pay off high-interest credit cards faster
- Stop late fees and collection calls
- Avoid bankruptcy or legal trouble
- Improve your credit score over time
- Get access to budgeting tools and financial coaching
You don’t need to borrow more money—you just need a smarter way to repay what you already owe.
Common Reasons Idahoans Fall Into Debt
- Medical bills or emergencies without insurance
- Loss of income or inconsistent hours
- Credit card overuse to manage monthly expenses
- Student loan payments with limited repayment options
- Lack of budgeting knowledge or savings cushion
How a Debt Management Plan Works
A Debt Management Plan is a simple but powerful tool to help you repay unsecured debts—like credit cards, medical bills, and personal loans—without taking out new credit.
Once enrolled, we’ll:
- Combine your monthly payments into one
- Work with creditors to reduce or eliminate interest rates
- Help you avoid new fees or penalties
- Guide you with resources and check-ins
- Keep you on track to pay off your debt in 3–5 years
It’s not a quick fix—but it is a proven and trusted strategy for thousands of clients nationwide.
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
Consumer Protections in Idaho
You have rights when it comes to managing your debt. The Fair Debt Collection Practices Act prevents harassment or abuse from collectors, and Idaho state law places time limits on how long creditors can sue for unpaid debts. This is known as the statute of limitations, and it varies based on the type of debt.
If you’re being threatened with wage garnishment, lawsuits, or nonstop phone calls, our team can help. We’ll explain your rights clearly and walk you through your options so you feel confident about your next steps.
Quick Debt Stats in Idaho
- Average credit card debt: $5,726
- Average student loan debt: $33,180
- Student loan borrowers: 10.8% of residents
- Total student loan debt in Idaho: $7.1 billion
Average credit score in Idaho: 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 Idaho. 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:
