Debt Relief Programs
If you’re living with debt in Ohio, you’re not alone. From Cleveland to Columbus, Cincinnati to Toledo, many Ohioans are struggling to keep up with credit cards, student loans, and rising living costs. At APFSC, we offer expert non-profit debt relief and credit counseling services designed to help you regain financial control, reduce stress, and pay off debt faster—with a plan that works for your life.
The Growing Debt Problem in Ohio
The Debt Landscape in Ohio
Ohio’s economy is slowly recovering from industrial shifts and rising inflation, but household debt is still a major concern. The average credit card debt per borrower in Ohio exceeds $5,400, while the average student loan debt is just under $36,000. About 13.5% of Ohio residents are currently managing student loan balances.
With housing, healthcare, and utility costs increasing, many families rely on credit to bridge the gap—leading to high balances, missed payments, and long-term financial pressure. APFSC is here to help you turn things around with real strategies and personal support.
How APFSC Helps Ohio Residents Pay Off Debt
Our approach begins with a free consultation where one of our certified counselors reviews your full financial situation. From there, we’ll create a personalized Debt Management Plan (DMP) to consolidate unsecured debts into a single monthly payment—often with reduced interest rates and waived fees.
Benefits of our program include:
- One simplified monthly payment to replace multiple bills
- Lower interest rates negotiated with your creditors
- Stopping late fees and collection calls
- A realistic timeline to become debt-free (3 to 5 years)
- Access to budgeting tools and financial coaching
You stay in control—we simply give you the structure and tools to succeed.
Common Causes of Debt in Ohio
- Job losses or factory closures in key industries
- High medical bills or emergencies
- Credit card usage for rent, gas, or groceries
- Delayed student loan repayments or income-driven plans
- Lack of savings or emergency financial planning
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
Why a Debt Management Plan (DMP) Works
A Debt Management Plan is a trusted, structured way to repay your existing unsecured debt. It’s not a loan—you’re not borrowing more money. Instead, it’s a plan that works within your income and budget to help you get ahead.
When you enroll in a DMP:
- Your interest rates may drop significantly
- You stop accumulating late fees or penalties
- You avoid collections or wage garnishment
- You repay the full debt over time in an organized way
- You receive support and accountability throughout the process
Most Ohio clients complete their plan in three to five years, depending on income and total debt.
Your Consumer Rights in Ohio
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive communication, threats, and misrepresentation. Ohio also enforces a statute of limitations—typically six years—for collecting certain debts through the courts.
If you’re receiving threatening letters or phone calls, or are unsure about your legal options, our team will help you understand your rights and guide you through safe, legal, and realistic solutions.
Ohio Debt Statistics
- Average credit card debt: $5,456
- Average student loan debt: $35,919
- Residents with student loans: 13.5%
- Total student loan debt in Ohio: $61.9 billion
- Average credit score in Ohio: 715
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 Ohio. 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:
