Sorted by starting price
6 Cheapest Credit Counseling Agencies of 2026
By the Rankozo research desk · Updated November 11, 2026
Among the 8 tools in our best credit counseling agencies ranking, American Consumer Credit Counseling has the lowest verified paid starting price at $7 per account per month, $70 maximum. Prices below are quoted from each vendor's US pricing page.
- 01
American Consumer Credit Counselingpeople with only a few cards who want the fee spelled out before they call
Free counseling; $39 one-time enrollment fee and $7 per account a month, capped at $70 (average $25)
Full entry, No. 3 overallStarts at
$7
Score 8.7
- 02
Advantage Credit Counseling Servicepeople who prefer to do the first counseling session online at any hour
Free counseling; $50 set-up fee and $10 to $50 a month depending on state and number of creditors
Full entry, No. 5 overallStarts at
$10
Score 8.4
- 03
GreenPath Financial Wellnesspeople with several credit cards who want a counselor and a support team for the whole plan
Free counseling session; DMP averages a $35 one-time enrollment fee and $31 a month
Full entry, No. 1 overallStarts at
$31
Score 9.0
- 04
InCharge Debt Solutionspeople who want a shorter plan and an online account to track it
Free counseling; DMP averages $34 a month plus a set-up fee averaging $52
Full entry, No. 4 overallStarts at
$34
Score 8.6
- 05
Money Management Internationalpeople who want to start a plan online and keep one credit card open
Free online review; DMP averages a $38 set-up fee and $35 a month
Full entry, No. 2 overallStarts at
$35
Score 8.9
- 06
Consolidated Creditmilitary service members and their families with card debt
Free debt analysis; average client pays about $40 a month, capped at $79 by state rules
Full entry, No. 6 overallStarts at
$40
Score 8.3
Scores and prices come from our Best Credit Counseling Agencies ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com