Debt Relief Programs
If you’re struggling with debt in Montana, you’re not alone. From Billings to Missoula, Helena to Bozeman, many residents across Big Sky Country are feeling the pressure of rising credit card bills, student loan obligations, and everyday living expenses. At APFSC, we offer reliable, non-profit debt relief and credit counseling services to help Montanans take control of their finances and move toward a debt-free future.
The Growing Debt Problem in Montana
The Reality of Debt in Montana
Montana’s cost of living continues to rise, especially in areas impacted by housing shortages and inflation. Many households rely on credit cards to manage bills, and over time, balances become difficult to manage. The average credit card debt per borrower in Montana is over $5,300, and the average student loan debt has reached $33,000. About 10.2% of residents carry active student loans, adding to monthly financial strain.
With rural job markets, seasonal employment, and limited access to financial education, many people fall into debt not from poor choices—but from lack of support. That’s where APFSC comes in. We provide structured solutions that are realistic, affordable, and designed to help you succeed.
How APFSC Helps Montana Residents
Your first step is a free financial consultation with one of our certified credit counselors. We’ll assess your income, monthly expenses, and debts, then create a customized Debt Management Plan (DMP) if you qualify. This plan consolidates your unsecured debt into one monthly payment—often with lower interest and no late fees.
Our DMP offers:
- A single monthly payment you can manage
- Lower interest rates from participating creditors
- Freedom from collection calls and financial stress
- A payoff plan in 3 to 5 years
- Access to budgeting tools and ongoing support
Why Montanans Fall Into Debt
- Seasonal work or inconsistent income
- Medical bills from limited insurance coverage
- Credit card use to cover basic living expenses
- Student loan repayment struggles
Lack of budgeting tools or emergency savings
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
What Is a Debt Management Plan?
A Debt Management Plan is a structured and supportive approach to paying off unsecured debt. It’s not a loan, and it doesn’t require you to stop paying or damage your credit long-term.
Here’s how it works:
- We contact your creditors and negotiate lower interest rates
- You make one fixed monthly payment to APFSC
- We send those payments to your creditors on your behalf
- Over time, your debt goes down and your credit can recover
This plan is ideal for those juggling multiple payments who want to repay what they owe—without bankruptcy or borrowing more.
Know Your Rights in Montana
As a Montana resident, you’re protected by both state and federal law. The Fair Debt Collection Practices Act (FDCPA) prohibits harassment and abuse from debt collectors. Montana also enforces a statute of limitations—usually 5 to 6 years—on how long creditors can take legal action to collect certain debts.
If you’re being threatened or pressured by collectors, our team will help you understand your rights, respond appropriately, and protect your peace of mind while working toward a solution.
Montana Debt Statistics
- Average credit card debt: $5,347
- Average student loan debt: $33,043
- Residents with student loan debt: 10.2%
- Total student loan debt in Montana: $3.8 billion
- Average credit score in Montana: 730
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 Montana. 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:
