Debt Relief Programs
If you’re struggling with debt in North Dakota, you’re not alone. Whether you’re in Fargo, Bismarck, or a smaller rural community, many residents are feeling the pressure of rising costs, credit card payments, and loan obligations. At APFSC, we offer trusted, non-profit debt relief and credit counseling services to help North Dakotans build a realistic plan to reduce debt and move toward financial stability.
The Growing Debt Problem in North Dakota
A Look at North Dakota’s Financial Challenges
North Dakota has a relatively low unemployment rate and a strong energy sector, but many households still rely heavily on credit to cover day-to-day costs. The average credit card debt in the state is more than $5,000, and the average student loan debt is just under $30,000. About 10.7% of residents carry student loan balances.
For families managing fluctuating income—especially those working in agriculture or energy—budgeting can be tough. A missed payment here and there can quickly snowball into a cycle of debt. If you’re juggling high-interest accounts or falling behind, we’re here to help you regain control without judgment.
How APFSC Helps North Dakota Residents
At APFSC, we are committed to providing practical, compassionate solutions. Our credit counselors offer free consultations to understand your financial situation and guide you toward realistic options. Whether you’re drowning in credit card debt, struggling with multiple loan payments, or facing collections, our team is here to help.
We focus on long-term financial health, not just quick fixes. Through our personalized programs, we’ve helped countless individuals across North Dakota reduce their interest rates, consolidate payments, and pay off debt faster—all while building better money habits.
How APFSC Helps You Achieve Financial Freedom
At APFSC, our mission is to provide financial clarity and support, no matter where you’re starting. We begin with a free consultation, where one of our certified counselors reviews your current income, monthly obligations, and total debt. Then, we create a personalized Debt Management Plan (DMP) tailored to your needs.
This plan can help you:
- Combine all your unsecured debts into one fixed monthly payment
- Negotiate with creditors to lower interest rates and stop penalties
- Eliminate late fees and reduce collection pressure
- Pay off your debt in 3 to 5 years
- Stay on track with ongoing guidance and education
You don’t need to take out a loan or settle for short-term fixes. With the right structure, you can make real progress.
Why North Dakotans Fall into Debt
- Seasonal employment or inconsistent pay
- Unexpected medical expenses or emergencies
- Rising household costs (utilities, food, gas)
- Student loan repayment difficulties
- Credit card reliance due to income gaps
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 one of the safest and most effective ways to repay unsecured debt without damaging your credit or borrowing more. It’s not a loan—it’s a way to restructure your payments based on your budget and timeline.
Key benefits include:
- One simple monthly payment
- Reduced or waived interest rates
- No more collection calls or late fees
- Positive impact on your credit score over time
- Support from a team that understands your journey
Most clients complete their DMP in three to five years, depending on the amount of debt and how much they can pay monthly. We make sure the plan is realistic from day one.
Know Your Rights in North Dakota
You’re legally protected from abusive debt collection practices. Under the Fair Debt Collection Practices Act, collectors must follow strict guidelines when contacting you. In North Dakota, the statute of limitations for debt collection ranges from three to six years depending on the type of debt.
If you’re being harassed or threatened by creditors, APFSC can help. We’ll explain your rights and act as an advocate while you focus on getting back on track.
North Dakota Debt Statistics
- Average credit card debt: $5,086
- Average student loan debt: $29,446
- Residents with student loans: 10.7%
- Total student loan debt in North Dakota: $3.3 billion
- Average credit score in North Dakota: 733
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 North Dakota. 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:
