Debt Relief Programs
Living in the nation’s capital comes with prestige—but it also comes with a price. If you’re facing debt in Washington, D.C., you’re not alone. High housing costs, rising interest rates, and everyday living expenses have put serious financial pressure on many D.C. residents. At APFSC, we offer non-profit debt relief and credit counseling services to help individuals and families regain control and work toward lasting financial freedom.
The Growing Debt Problem in Washington, D.C.
Debt in the District: The Reality Behind the Numbers
Washington, D.C. has one of the highest average costs of living in the U.S. Residents often turn to credit cards and loans to bridge the gap between paychecks and basic expenses. The average credit card debt in D.C. now exceeds $8,200. At the same time, student loan debt continues to climb, with the average borrower owing over $53,000—one of the highest averages in the country.
Many households face challenges due to job instability, underemployment, and unpredictable income streams. With rent and healthcare costs continuing to rise, it’s no surprise that many residents are falling behind and searching for real solutions.
How APFSC Helps D.C. Residents Break Free from Debt
Our approach begins with a free consultation, where we review your income, expenses, and total debt. We then create a customized Debt Management Plan (DMP) that allows you to make one manageable monthly payment instead of juggling multiple bills.
We’ll also work with your creditors to:
- Reduce or eliminate high interest rates
- Stop late fees and penalty charges
- Pause or stop collection activity
- Pay off debt in 3 to 5 years
- Rebuild credit through consistent payments
In addition, we offer educational tools to help you stay on track—so once you’re out of debt, you stay out of debt.
Common Financial Challenges in Washington, D.C.
- High rent and cost of housing
- Large student loan balances from graduate programs
- Credit card dependency for daily expenses
- Gaps in employment or freelance income volatility
- Unexpected medical bills or emergencies
Why a Debt Management Plan Works
Unlike loans or settlement offers, a Debt Management Plan works by restructuring the payments you already owe—without adding more debt. It’s a trusted solution that helps people avoid bankruptcy and collections while preserving their credit.
When you enroll in a DMP through APFSC:
- All your eligible debts are consolidated into one monthly payment
- We negotiate directly with your creditors
- Your interest rates are reduced
- You stop paying unnecessary fees
- You gain peace of mind with a plan and support system
This is an ideal option if you’re overwhelmed but still able to make a consistent monthly payment toward your debt.
Talk to a HUD-certified housing counselor to get help with the housing challenges you’re facing.
D.C. Consumer Protection & Legal Rights
As a resident of Washington, D.C., you are protected by both federal laws and local regulations. The Fair Debt Collection Practices Act safeguards you from harassment, deception, and abuse by collectors.
Additionally, D.C. enforces a statute of limitations on debt collection, which limits how long a creditor can sue you for unpaid debt. If you’ve been threatened with legal action or are unsure of your rights, our counselors will explain your protections in plain language and help you take the right next step.
Quick Debt Stats in D.C.
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 Washington, D.C.. 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
Is this a loan?
No, a DMP is not a loan—it’s a structured repayment plan using your current debt.
How long does the program take?
Most people complete their plan in 3 to 5 years, depending on how much they owe.
What kinds of debt are eligible?
We help with credit cards, medical debt, collections, and other unsecured personal loans.
Is my information kept confidential?
Yes. All consultations and services are private and secure.
Case Studies
Approved agency for all major creditors including:
