Debt Relief Programs
If you’re facing debt in Kansas, you’re not alone. From Wichita and Topeka to Overland Park and smaller rural towns, thousands of Kansans are feeling the weight of rising credit card bills, student loans, and daily living expenses. At APFSC, we offer expert non-profit debt relief and credit counseling services to help you reduce your debt, simplify your finances, and build a better financial future.
The Debt Landscape in Kansas
The Debt Landscape in Kansas
Kansas has a relatively low cost of living, but stagnant wages and increasing prices for essentials like groceries, fuel, and healthcare have made it harder for many households to stay afloat. The average credit card debt per borrower in Kansas is over $5,600, while the average student loan debt exceeds $33,000. About 12.7% of Kansas residents are currently repaying student loans.
Whether you’re struggling due to job loss, medical bills, or credit card reliance, it’s easy for debt to spiral without a solid repayment plan. That’s where APFSC comes in—to provide the structure and support you need to break the cycle.
How APFSC Helps Kansans Pay Off Debt
Our process begins with a free consultation where a certified credit counselor reviews your financial situation. If eligible, we’ll create a personalized Debt Management Plan (DMP) to consolidate your unsecured debts into one monthly payment—often with significantly reduced interest.
With a DMP from APFSC, you can:
- Combine multiple debts into one manageable payment
- Reduce or eliminate interest charges
- Stop late fees and collection calls
- Pay off your debt in 3 to 5 years
- Receive budgeting tools and long-term support
This isn’t a loan. It’s a structured, responsible plan to help you pay down your existing debt and regain financial confidence.
Common Reasons Kansans Fall Into Debt
- Medical bills and gaps in insurance coverage
- Loss of income or job instability
- Credit card use to cover rent, utilities, and food
- Student loan payments without flexible options
- Lack of emergency savings or financial education
How a Debt Management Plan Works
A Debt Management Plan is a proven way to pay off unsecured debts—including credit cards, medical bills, and personal loans—without borrowing more money. You make one monthly payment to APFSC, and we send it to your creditors after negotiating lower interest rates and better terms.
Key benefits of a DMP include:
- Simplified monthly payments
- Reduced interest rates from most major creditors
- Elimination of late fees and penalties
- Avoiding bankruptcy and improving your credit over time
- Personalized guidance from our expert counselors
Most clients complete the plan within 3 to 5 years, depending on how much they owe and what they can pay monthly.
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:
