Check server response of

Server response
NS records
Whois domain
Response headers
Request headers
Raw HTML code
301 Moved Permanently - nfcc.com
HTTP Status: 301
User-Agent: Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; [email protected])
Date: Wed, 07 May 2025 02:54:41 GMT
Content-Type: text/html; charset=utf-8
Content-Length: 55
Connection: keep-alive
Location: https://www.nfcc.org
Server: ip-100-74-4-24.eu-west-2.compute.internal
Vary: Accept-Encoding
X-Request-Id: b44ccc9d-a0e8-46ec-827f-f2c00101485e

HTTP Code 301 Moved Permanently

301 status code means that the requested resource has been permanently moved to a new URL. All future requests should use the new address.

When is Code 301 used?

  • When changing a website domain
  • When modifying URL structures
  • When setting up redirects for SEO

What does Code 301 mean for the user?

The browser will automatically redirect the user to the new address, and search engines will update their indexes.

200 OK - https://www.nfcc.org
HTTP Status: 200
User-Agent: Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; [email protected])
Date: Wed, 07 May 2025 02:54:43 GMT
Content-Type: text/html; charset=UTF-8
Transfer-Encoding: chunked
Connection: keep-alive
Server: Apache
Strict-Transport-Security: max-age=63072000; includeSubdomains; preload
Cache-Control: no-cache
Link: <https://www.nfcc.org/wp-json/>; rel="https://api.w.org/"
Link: <https://www.nfcc.org/wp-json/wp/v2/pages/30927>; rel="alternate"; title="JSON"; type="application/json"
Link: <https://www.nfcc.org/>; rel=shortlink
Vary: Accept-Encoding
Content-Security-Policy: frame-ancestors 'none';

HTTP Code 200 OK

200 status code is a standard successful HTTP server response. It means that the client’s request (e.g., from a browser) was successfully processed, and the server is delivering the requested data.

When is Code 200 used?

  • When loading a web page
  • When successfully receiving an API response
  • When processing a form or another HTTP request

What does Code 200 mean for the user?

The user receives content without errors, and the page or application functions properly. If Code 200 is accompanied by data, the browser or program processes and displays it to the user.

GET / HTTP/1.1
Host: nfcc.com
Accept: */*
User-Agent: Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; [email protected])
<!doctype html>
<html lang="en-US">

<head>
	<meta charset="UTF-8">
<script>
var gform;gform||(document.addEventListener("gform_main_scripts_loaded",function(){gform.scriptsLoaded=!0}),window.addEventListener("DOMContentLoaded",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,initializeOnLoaded:function(o){gform.domLoaded&&gform.scriptsLoaded?o():!gform.domLoaded&&gform.scriptsLoaded?window.addEventListener("DOMContentLoaded",o):document.addEventListener("gform_main_scripts_loaded",o)},hooks:{action:{},filter:{}},addAction:function(o,n,r,t){gform.addHook("action",o,n,r,t)},addFilter:function(o,n,r,t){gform.addHook("filter",o,n,r,t)},doAction:function(o){gform.doHook("action",o,arguments)},applyFilters:function(o){return gform.doHook("filter",o,arguments)},removeAction:function(o,n){gform.removeHook("action",o,n)},removeFilter:function(o,n,r){gform.removeHook("filter",o,n,r)},addHook:function(o,n,r,t,i){null==gform.hooks[o][n]&&(gform.hooks[o][n]=[]);var e=gform.hooks[o][n];null==i&&(i=n+"_"+e.length),gform.hooks[o][n].push({tag:i,callable:r,priority:t=null==t?10:t})},doHook:function(n,o,r){var t;if(r=Array.prototype.slice.call(r,1),null!=gform.hooks[n][o]&&((o=gform.hooks[n][o]).sort(function(o,n){return o.priority-n.priority}),o.forEach(function(o){"function"!=typeof(t=o.callable)&&(t=window[t]),"action"==n?t.apply(null,r):r[0]=t.apply(null,r)})),"filter"==n)return r[0]},removeHook:function(o,n,t,i){var r;null!=gform.hooks[o][n]&&(r=(r=gform.hooks[o][n]).filter(function(o,n,r){return!!(null!=i&&i!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][n]=r)}});
</script>

	<meta name="viewport" content="width=device-width, initial-scale=1">
	<link rel="profile" href="https://gmpg.org/xfn/11">
	<link rel="apple-touch-icon" sizes="76x76" href="/wp-content/themes/foundation/favicons/apple-touch-icon.png">
	<link rel="icon" type="image/png" sizes="32x32" href="/wp-content/themes/foundation/favicons/favicon-32x32.png">
	<link rel="icon" type="image/png" sizes="16x16" href="/wp-content/themes/foundation/favicons/favicon-16x16.png">
	<link rel="mask-icon" href="/wp-content/themes/foundation/favicons/safari-pinned-tab.svg" color="#5bbad5">
	<meta name="msapplication-TileColor" content="#da532c">
	<meta name="theme-color" content="#ffffff">
	<meta name="google-site-verification" content="KtXsDScZ8jxevgKTDdlaJyhF3X2wTjpwbfsm1eHk-oI" />

	<link rel="preconnect" href="https://fonts.googleapis.com">
	<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
	<link rel="preconnect" href="https://fonts.googleapis.com">
	<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
	<link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Material+Symbols+Outlined:opsz,wght,FILL,GRAD@48,400,1,0&display=block" />
	<link rel="stylesheet" type="text/css" href="//cdn.jsdelivr.net/npm/[email protected]/slick/slick.css"/>
	<meta name="google" content="notranslate">
<script>
  dataLayer = [];
</script>
<link href="https://fonts.googleapis.com/css2?family=Roboto:ital,wght@0,100;0,300;0,400;0,500;0,700;0,900;1,100;1,300;1,400;1,500;1,700;1,900&display=swap" rel="stylesheet"> <meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' />

	<!-- This site is optimized with the Yoast SEO plugin v19.13 - https://yoast.com/wordpress/plugins/seo/ -->
	<title>Non Profit Credit Counseling Services | Get Out of Debt | NFCC</title>
	<meta name="description" content="Get out of debt with The National Foundation for Credit Counseling, a non-profit trusted network of credit counseling agencies. Connect with a counselor!" />
	<link rel="canonical" href="https://www.nfcc.org/" />
	<meta property="og:locale" content="en_US" />
	<meta property="og:type" content="website" />
	<meta property="og:title" content="Non Profit Credit Counseling Services | Get Out of Debt | NFCC" />
	<meta property="og:description" content="Get out of debt with The National Foundation for Credit Counseling, a non-profit trusted network of credit counseling agencies. Connect with a counselor!" />
	<meta property="og:url" content="https://www.nfcc.org/" />
	<meta property="og:site_name" content="NFCC - National Foundation for Credit Counseling" />
	<meta property="article:publisher" content="https://www.facebook.com/NFCCDebtAdvice/" />
	<meta property="article:modified_time" content="2025-04-07T13:35:24+00:00" />
	<meta property="og:image" content="https://www.nfcc.org/wp-content/uploads/2023/04/harris-poll-hero.jpg" />
	<meta property="og:image:width" content="1080" />
	<meta property="og:image:height" content="600" />
	<meta property="og:image:type" content="image/jpeg" />
	<meta name="twitter:card" content="summary_large_image" />
	<meta name="twitter:site" content="@NFCC" />
	<meta name="twitter:label1" content="Est. reading time" />
	<meta name="twitter:data1" content="1 minute" />
	<script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"WebPage","@id":"https://www.nfcc.org/","url":"https://www.nfcc.org/","name":"Non Profit Credit Counseling Services | Get Out of Debt | NFCC","isPartOf":{"@id":"https://www.nfcc.org/#website"},"about":{"@id":"https://www.nfcc.org/#organization"},"primaryImageOfPage":{"@id":"https://www.nfcc.org/#primaryimage"},"image":{"@id":"https://www.nfcc.org/#primaryimage"},"thumbnailUrl":"https://www.nfcc.org/wp-content/uploads/2023/04/harris-poll-hero.jpg","datePublished":"2023-02-16T13:53:55+00:00","dateModified":"2025-04-07T13:35:24+00:00","description":"Get out of debt with The National Foundation for Credit Counseling, a non-profit trusted network of credit counseling agencies. Connect with a counselor!","breadcrumb":{"@id":"https://www.nfcc.org/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https://www.nfcc.org/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https://www.nfcc.org/#primaryimage","url":"https://www.nfcc.org/wp-content/uploads/2023/04/harris-poll-hero.jpg","contentUrl":"https://www.nfcc.org/wp-content/uploads/2023/04/harris-poll-hero.jpg","width":1080,"height":600},{"@type":"BreadcrumbList","@id":"https://www.nfcc.org/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home"}]},{"@type":"WebSite","@id":"https://www.nfcc.org/#website","url":"https://www.nfcc.org/","name":"NFCC - National Foundation for Credit Counseling","description":"Take the first step toward a future of financial clarity and relief","publisher":{"@id":"https://www.nfcc.org/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://www.nfcc.org/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https://www.nfcc.org/#organization","name":"NFCC","url":"https://www.nfcc.org/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https://www.nfcc.org/#/schema/logo/image/","url":"","contentUrl":"","caption":"NFCC"},"image":{"@id":"https://www.nfcc.org/#/schema/logo/image/"},"sameAs":["https://www.facebook.com/NFCCDebtAdvice/","https://twitter.com/NFCC"]}]}</script>
	<!-- / Yoast SEO plugin. -->


<link rel='dns-prefetch' href='//js.hs-scripts.com' />
<link rel='dns-prefetch' href='//fonts.googleapis.com' />
<link rel="alternate" type="application/rss+xml" title="NFCC - National Foundation for Credit Counseling &raquo; Feed" href="https://www.nfcc.org/feed/" />
<link rel="alternate" type="application/rss+xml" title="NFCC - National Foundation for Credit Counseling &raquo; Comments Feed" href="https://www.nfcc.org/comments/feed/" />
<script>
window._wpemojiSettings = {"baseUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/72x72\/","ext":".png","svgUrl":"https:\/\/s.w.org\/images\/core\/emoji\/15.0.3\/svg\/","svgExt":".svg","source":{"concatemoji":"https:\/\/www.nfcc.org\/wp-includes\/js\/wp-emoji-release.min.js?ver=6.6"}};
/*! This file is auto-generated */
!function(i,n){var o,s,e;function c(e){try{var t={supportTests:e,timestamp:(new Date).valueOf()};sessionStorage.setItem(o,JSON.stringify(t))}catch(e){}}function p(e,t,n){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);var t=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data),r=(e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(n,0,0),new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data));return t.every(function(e,t){return e===r[t]})}function u(e,t,n){switch(t){case"flag":return n(e,"\ud83c\udff3\ufe0f\u200d\u26a7\ufe0f","\ud83c\udff3\ufe0f\u200b\u26a7\ufe0f")?!1:!n(e,"\ud83c\uddfa\ud83c\uddf3","\ud83c\uddfa\u200b\ud83c\uddf3")&&!n(e,"\ud83c\udff4\udb40\udc67\udb40\udc62\udb40\udc65\udb40\udc6e\udb40\udc67\udb40\udc7f","\ud83c\udff4\u200b\udb40\udc67\u200b\udb40\udc62\u200b\udb40\udc65\u200b\udb40\udc6e\u200b\udb40\udc67\u200b\udb40\udc7f");case"emoji":return!n(e,"\ud83d\udc26\u200d\u2b1b","\ud83d\udc26\u200b\u2b1b")}return!1}function f(e,t,n){var r="undefined"!=typeof WorkerGlobalScope&&self instanceof WorkerGlobalScope?new OffscreenCanvas(300,150):i.createElement("canvas"),a=r.getContext("2d",{willReadFrequently:!0}),o=(a.textBaseline="top",a.font="600 32px Arial",{});return e.forEach(function(e){o[e]=t(a,e,n)}),o}function t(e){var t=i.createElement("script");t.src=e,t.defer=!0,i.head.appendChild(t)}"undefined"!=typeof Promise&&(o="wpEmojiSettingsSupports",s=["flag","emoji"],n.supports={everything:!0,everythingExceptFlag:!0},e=new Promise(function(e){i.addEventListener("DOMContentLoaded",e,{once:!0})}),new Promise(function(t){var n=function(){try{var e=JSON.parse(sessionStorage.getItem(o));if("object"==typeof e&&"number"==typeof e.timestamp&&(new Date).valueOf()<e.timestamp+604800&&"object"==typeof e.supportTests)return e.supportTests}catch(e){}return null}();if(!n){if("undefined"!=typeof Worker&&"undefined"!=typeof OffscreenCanvas&&"undefined"!=typeof URL&&URL.createObjectURL&&"undefined"!=typeof Blob)try{var e="postMessage("+f.toString()+"("+[JSON.stringify(s),u.toString(),p.toString()].join(",")+"));",r=new Blob([e],{type:"text/javascript"}),a=new Worker(URL.createObjectURL(r),{name:"wpTestEmojiSupports"});return void(a.onmessage=function(e){c(n=e.data),a.terminate(),t(n)})}catch(e){}c(n=f(s,u,p))}t(n)}).then(function(e){for(var t in e)n.supports[t]=e[t],n.supports.everything=n.supports.everything&&n.supports[t],"flag"!==t&&(n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&n.supports[t]);n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&!n.supports.flag,n.DOMReady=!1,n.readyCallback=function(){n.DOMReady=!0}}).then(function(){return e}).then(function(){var e;n.supports.everything||(n.readyCallback(),(e=n.source||{}).concatemoji?t(e.concatemoji):e.wpemoji&&e.twemoji&&(t(e.twemoji),t(e.wpemoji)))}))}((window,document),window._wpemojiSettings);
</script>
<style id='wp-emoji-styles-inline-css'>

	img.wp-smiley, img.emoji {
		display: inline !important;
		border: none !important;
		box-shadow: none !important;
		height: 1em !important;
		width: 1em !important;
		margin: 0 0.07em !important;
		vertical-align: -0.1em !important;
		background: none !important;
		padding: 0 !important;
	}
</style>
<link rel='stylesheet' id='wp-block-library-css' href='https://www.nfcc.org/wp-includes/css/dist/block-library/style.min.css?ver=6.6' media='all' />
<style id='wp-block-library-theme-inline-css'>
.wp-block-audio :where(figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-audio :where(figcaption){color:#ffffffa6}.wp-block-audio{margin:0 0 1em}.wp-block-code{border:1px solid #ccc;border-radius:4px;font-family:Menlo,Consolas,monaco,monospace;padding:.8em 1em}.wp-block-embed :where(figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-embed :where(figcaption){color:#ffffffa6}.wp-block-embed{margin:0 0 1em}.blocks-gallery-caption{color:#555;font-size:13px;text-align:center}.is-dark-theme .blocks-gallery-caption{color:#ffffffa6}:root :where(.wp-block-image figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme :root :where(.wp-block-image figcaption){color:#ffffffa6}.wp-block-image{margin:0 0 1em}.wp-block-pullquote{border-bottom:4px solid;border-top:4px solid;color:currentColor;margin-bottom:1.75em}.wp-block-pullquote cite,.wp-block-pullquote footer,.wp-block-pullquote__citation{color:currentColor;font-size:.8125em;font-style:normal;text-transform:uppercase}.wp-block-quote{border-left:.25em solid;margin:0 0 1.75em;padding-left:1em}.wp-block-quote cite,.wp-block-quote footer{color:currentColor;font-size:.8125em;font-style:normal;position:relative}.wp-block-quote.has-text-align-right{border-left:none;border-right:.25em solid;padding-left:0;padding-right:1em}.wp-block-quote.has-text-align-center{border:none;padding-left:0}.wp-block-quote.is-large,.wp-block-quote.is-style-large,.wp-block-quote.is-style-plain{border:none}.wp-block-search .wp-block-search__label{font-weight:700}.wp-block-search__button{border:1px solid #ccc;padding:.375em .625em}:where(.wp-block-group.has-background){padding:1.25em 2.375em}.wp-block-separator.has-css-opacity{opacity:.4}.wp-block-separator{border:none;border-bottom:2px solid;margin-left:auto;margin-right:auto}.wp-block-separator.has-alpha-channel-opacity{opacity:1}.wp-block-separator:not(.is-style-wide):not(.is-style-dots){width:100px}.wp-block-separator.has-background:not(.is-style-dots){border-bottom:none;height:1px}.wp-block-separator.has-background:not(.is-style-wide):not(.is-style-dots){height:2px}.wp-block-table{margin:0 0 1em}.wp-block-table td,.wp-block-table th{word-break:normal}.wp-block-table :where(figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-table :where(figcaption){color:#ffffffa6}.wp-block-video :where(figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-video :where(figcaption){color:#ffffffa6}.wp-block-video{margin:0 0 1em}:root :where(.wp-block-template-part.has-background){margin-bottom:0;margin-top:0;padding:1.25em 2.375em}
</style>
<style id='safe-svg-svg-icon-style-inline-css'>
.safe-svg-cover{text-align:center}.safe-svg-cover .safe-svg-inside{display:inline-block;max-width:100%}.safe-svg-cover svg{height:100%;max-height:100%;max-width:100%;width:100%}

</style>
<style id='global-styles-inline-css'>
:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #FFFFFF;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--color--default: #0E1B23;--wp--preset--color--darker-blue: #032E4D;--wp--preset--color--blue: #0085AD;--wp--preset--color--cyan: #C0E0EA;--wp--preset--color--orange: #DB3300;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.125), 16px);--wp--preset--font-size--medium: clamp(1.125rem, 1.125rem + ((1vw - 0.2rem) * 0.125), 1.25rem);--wp--preset--font-size--large: clamp(22.041px, 1.378rem + ((1vw - 3.2px) * 0.872), 36px);--wp--preset--font-size--x-large: clamp(25.014px, 1.563rem + ((1vw - 3.2px) * 1.062), 42px);--wp--preset--font-size--xlarge: clamp(2.85rem, 2.85rem + ((1vw - 0.2rem) * 0.4), 3.25rem);--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);}:root { --wp--style--global--content-size: 1630px;--wp--style--global--wide-size: 1920px; }:where(body) { margin: 0; }.wp-site-blocks > .alignleft { float: left; margin-right: 2em; }.wp-site-blocks > .alignright { float: right; margin-left: 2em; }.wp-site-blocks > .aligncenter { justify-content: center; margin-left: auto; margin-right: auto; }:where(.wp-site-blocks) > * { margin-block-start: 24px; margin-block-end: 0; }:where(.wp-site-blocks) > :first-child { margin-block-start: 0; }:where(.wp-site-blocks) > :last-child { margin-block-end: 0; }:root { --wp--style--block-gap: 24px; }.is-layout-flow  > :first-child{margin-block-start: 0;}.is-layout-flow  > :last-child{margin-block-end: 0;}.is-layout-flow  > *{margin-block-start: 24px;margin-block-end: 0;}.is-layout-constrained  > :first-child{margin-block-start: 0;}.is-layout-constrained  > :last-child{margin-block-end: 0;}.is-layout-constrained  > *{margin-block-start: 24px;margin-block-end: 0;}.is-layout-flex {gap: 24px;}.is-layout-grid {gap: 24px;}.is-layout-flow > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-flow > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-flow > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-constrained > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-constrained > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width: var(--wp--style--global--content-size);margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignwide{max-width: var(--wp--style--global--wide-size);}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}:root :where(body){padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}:root :where(a:where(:not(.wp-element-button))){text-decoration: underline;}:root :where(.wp-element-button, .wp-block-button__link){background-color: #32373c;border-width: 0;color: #fff;font-family: inherit;font-size: inherit;line-height: inherit;padding: calc(0.667em + 2px) calc(1.333em + 2px);text-decoration: none;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-default-color{color: var(--wp--preset--color--default) !important;}.has-darker-blue-color{color: var(--wp--preset--color--darker-blue) !important;}.has-blue-color{color: var(--wp--preset--color--blue) !important;}.has-cyan-color{color: var(--wp--preset--color--cyan) !important;}.has-orange-color{color: var(--wp--preset--color--orange) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-default-background-color{background-color: var(--wp--preset--color--default) !important;}.has-darker-blue-background-color{background-color: var(--wp--preset--color--darker-blue) !important;}.has-blue-background-color{background-color: var(--wp--preset--color--blue) !important;}.has-cyan-background-color{background-color: var(--wp--preset--color--cyan) !important;}.has-orange-background-color{background-color: var(--wp--preset--color--orange) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-default-border-color{border-color: var(--wp--preset--color--default) !important;}.has-darker-blue-border-color{border-color: var(--wp--preset--color--darker-blue) !important;}.has-blue-border-color{border-color: var(--wp--preset--color--blue) !important;}.has-cyan-border-color{border-color: var(--wp--preset--color--cyan) !important;}.has-orange-border-color{border-color: var(--wp--preset--color--orange) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}.has-xlarge-font-size{font-size: var(--wp--preset--font-size--xlarge) !important;}
:root :where(.wp-block-pullquote){font-size: clamp(0.984em, 0.984rem + ((1vw - 0.2em) * 0.516), 1.5em);line-height: 1.6;}
</style>
<link rel='stylesheet' id='reactpress-css' href='https://www.nfcc.org/wp-content/plugins/reactpress/public/css/reactpress-public.css?ver=3.0.1' media='all' />
<link rel='stylesheet' id='foundation-style-css' href='https://www.nfcc.org/wp-content/themes/foundation/style.css?ver=1.0.3' media='all' />
<link rel='stylesheet' id='wpb-google-fonts-css' href='https://fonts.googleapis.com/css2?family=Roboto%3Aital%2Cwght%400%2C100%3B0%2C300%3B0%2C400%3B0%2C700%3B1%2C100%3B1%2C300%3B1%2C400%3B1%2C700&#038;display=swap&#038;ver=6.6' media='all' />
<link rel='stylesheet' id='nfcc-style-2023-css' href='https://www.nfcc.org/wp-content/themes/foundation/sass/style-2023.css?ver=1.0.3' media='all' />
<link rel='stylesheet' id='header-footer-2023-css' href='https://www.nfcc.org/wp-content/themes/foundation/sass/header-footer-2023.css?ver=1.0.3' media='all' />
<style id='block-visibility-screen-size-styles-inline-css'>
/* Large screens (desktops, 992px and up) */
@media ( min-width: 992px ) {
	.block-visibility-hide-large-screen {
		display: none !important;
	}
}

/* Medium screens (tablets, between 768px and 992px) */
@media ( min-width: 768px ) and ( max-width: 991.98px ) {
	.block-visibility-hide-medium-screen {
		display: none !important;
	}
}

/* Small screens (mobile devices, less than 768px) */
@media ( max-width: 767.98px ) {
	.block-visibility-hide-small-screen {
		display: none !important;
	}
}
</style>
<script src="https://www.nfcc.org/wp-includes/js/jquery/jquery.min.js?ver=3.7.1" id="jquery-core-js"></script>
<script src="https://www.nfcc.org/wp-includes/js/jquery/jquery-migrate.min.js?ver=3.4.1" id="jquery-migrate-js"></script>
<script id="jquery-js-after">
var ajaxurl = "https://www.nfcc.org/wp-admin/admin-ajax.php";
</script>
<script src="https://www.nfcc.org/wp-content/plugins/reactpress/public/js/reactpress-public.js?ver=3.0.1" id="reactpress-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/vendor/highcharts.js" id="chart-script-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/calculators/credit-card.js" id="credit-script-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/calculators/savings.js" id="savings-script-js"></script>
<link rel="https://api.w.org/" href="https://www.nfcc.org/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://www.nfcc.org/wp-json/wp/v2/pages/30927" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://www.nfcc.org/xmlrpc.php?rsd" />
<meta name="generator" content="WordPress 6.6" />
<link rel='shortlink' href='https://www.nfcc.org/' />
<link rel="alternate" title="oEmbed (JSON)" type="application/json+oembed" href="https://www.nfcc.org/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.nfcc.org%2F" />
<link rel="alternate" title="oEmbed (XML)" type="text/xml+oembed" href="https://www.nfcc.org/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.nfcc.org%2F&#038;format=xml" />
			<!-- DO NOT COPY THIS SNIPPET! Start of Page Analytics Tracking for HubSpot WordPress plugin v10.2.17-->
			<script type="text/javascript" class="hsq-set-content-id" data-content-id="standard-page">
				var _hsq = _hsq || [];
				_hsq.push(["setContentType", "standard-page"]);
			</script>
			<!-- DO NOT COPY THIS SNIPPET! End of Page Analytics Tracking for HubSpot WordPress plugin -->
					<style id="wp-custom-css">
			html {
	box-sizing:border-box;
}

*,*:before,*:after {
	box-sizing:inherit;
}

iframe {
	width:100%;
	border:none;
}

.content{margin-left:auto;margin-right:auto;max-width:980px}

@media (max-width:1205px){.auto{max-width:95%}}

@media (max-width:600px){.modal-content{margin:0 10px;width:auto!important}.modal{padding-top:30px}
.dropdown-hover.mobile .dropdown-content,.dropdown-click.mobile .dropdown-content{position:relative}	
.hide-small{display:none!important}.mobile{display:block;width:100%!important}.bar-item.mobile,.dropdown-hover.mobile,.dropdown-click.mobile{text-align:center}
.dropdown-hover.mobile,.dropdown-hover.mobile .btn,.dropdown-hover.mobile .button,.dropdown-click.mobile,.dropdown-click.mobile .btn,.dropdown-click.mobile .button{width:100%}}

@media (max-width:768px){.modal-content{width:500px}.modal{padding-top:50px}}

@media (min-width:993px){.modal-content{width:900px}.hide-large{display:none!important}.sidebar.collapse{display:block!important}}

@media (max-width:992px) and (min-width:601px){.hide-medium{display:none!important}}

@media (max-width:992px){.sidebar.collapse{display:none}.main{margin-left:0!important;margin-right:0!important}.auto{max-width:100%}}

.half {float:left;width:100%}

@media (min-width:601px){.col.m1{width:8.33333%}.col.m2{width:16.66666%}.col.m3,.quarter{width:24.99999%}.col.m4,.third{width:33.33333%}
.col.m5{width:41.66666%}.col.m6,.half{width:49.99999%}.col.m7{width:58.33333%}.col.m8,.twothird{width:66.66666%}
.col.m9,.threequarter{width:74.99999%}.col.m10{width:83.33333%}.col.m11{width:91.66666%}.col.m12{width:99.99999%}}

@media (min-width:993px){.col.l1{width:8.33333%}.col.l2{width:16.66666%}.col.l3{width:24.99999%}.col.l4{width:33.33333%}
.col.l5{width:41.66666%}.col.l6{width:49.99999%}.col.l7{width:58.33333%}.col.l8{width:66.66666%}
.col.l9{width:74.99999%}.col.l10{width:83.33333%}.col.l11{width:91.66666%}.col.l12{width:99.99999%}}		</style>
			<!-- Google Tag Manager Logical-->
	<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
	new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
	j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
	'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
	})(window,document,'script','dataLayer','GTM-W8RTBP8');</script>
	<!-- End Google Tag Manager Logical-->
	<!-- Google Tag Manager BFT-->
<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
})(window,document,'script','dataLayer','GTM-K9F7DZ');</script>
<!-- End Google Tag Manager BFT-->

<!-- Microsoft adertising tracking -->
<script>
  (function(w,d,t,r,u)
  {
    var f,n,i;
    w[u]=w[u]||[],f=function()
    {
      var o={ti:"97035659"};
      o.q=w[u],w[u]=new UET(o),w[u].push("pageLoad")
    },
    n=d.createElement(t),n.src=r,n.async=1,n.onload=n.onreadystatechange=function()
    {
      var s=this.readyState;
      s&&s!=="loaded"&&s!=="complete"||(f(),n.onload=n.onreadystatechange=null)
    },
    i=d.getElementsByTagName(t)[0],i.parentNode.insertBefore(n,i)
  })
  (window,document,"script","//bat.bing.com/bat.js","uetq");
</script>
<!-- End of Microsoft adertising tracking -->

</head>

<body 	class="home page-template page-template-tpl-2023-page page-template-tpl-2023-page-php page page-id-30927 global-2023">
	
		<div id="page" class="site ">
		<a class="skip-link screen-reader-text" href="#top-nav">Skip to content</a>
		
		
		
<div class="header__topbar">
    <div class="header__topbar--desktop" role="navigation" aria-label="Navigation Level 1">
        <div class="menu-2023-header-top-nav-container"><ul id="header-topnav" class="menu"><li id="menu-item-43544" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-43544"><a href="https://www.nfcc.org/donate-now/" tabindex="1">Donate Now</a></li>
<li id="menu-item-35596" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-35596"><a tabindex="1">Members</a>
<ul class="sub-menu">
	<li id="menu-item-35594" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-35594"><a href="https://nfcc.org/current-members" tabindex="2">Request Member Site Access</a></li>
	<li id="menu-item-35939" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-35939"><a href="https://member.nfcc.org">Member Website</a></li>
	<li id="menu-item-35595" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-35595"><a href="https://www.nfcc.org/members/" tabindex="3">Prospective Members</a></li>
</ul>
</li>
<li id="menu-item-31914" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31914"><a href="/partnerships-donors/" tabindex="1">Partner with Us</a></li>
<li id="menu-item-43545" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-43545"><a tabindex="1">Education</a>
<ul class="sub-menu">
	<li id="menu-item-35204" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-35204"><a href="https://www.nfcc.org/online-courses/" tabindex="2">Online Courses</a></li>
</ul>
</li>
<li id="menu-item-31915" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-31915"><a tabindex="1">Resources</a>
<ul class="sub-menu">
	<li id="menu-item-31917" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31917"><a href="/tools-tips/" tabindex="2">Tools and Tips</a></li>
</ul>
</li>
</ul></div>        <div class="search-form container container__contain-medium">
            <div class="header__topbar-search-title" tabindex="2">
                <span>Search </span>
                <svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
                    <path fill-rule="evenodd" clip-rule="evenodd" d="M7.3125 13.5C10.7298 13.5 13.5 10.7298 13.5 7.3125C13.5 3.89524 10.7298 1.125 7.3125 1.125C3.89524 1.125 1.125 3.89524 1.125 7.3125C1.125 10.7298 3.89524 13.5 7.3125 13.5ZM14.625 7.3125C14.625 11.3511 11.3511 14.625 7.3125 14.625C3.27392 14.625 0 11.3511 0 7.3125C0 3.27392 3.27392 0 7.3125 0C11.3511 0 14.625 3.27392 14.625 7.3125Z" fill="#DB3300"/>
                    <path d="M11.6369 13.2099C11.6701 13.2549 11.707 13.298 11.7477 13.3387L16.0795 17.6705C16.5188 18.1098 17.2312 18.1098 17.6705 17.6705C18.1098 17.2312 18.1098 16.5188 17.6705 16.0795L13.3387 11.7477C13.298 11.707 13.2549 11.6701 13.2099 11.6369C12.7686 12.2377 12.2377 12.7686 11.6369 13.2099Z" fill="#DB3300"/>
                </svg>
            </div>
        </div>
        <div class="gt-btns" tabindex="2">
            <!-- Custom Gtranslate link check 2023-script -->
            <div class="gt-btns__en"><a href="#" data-gt-lang="en" class="gt-current-lang notranslate">Select English</a></div><div class="gt-btns__es"><a href="#" data-gt-lang="es" class="notranslate">Seleccionar Espanol</a></div>        </div>
    </div>
    <div class="header__topbar--mobile" role="navigation" aria-label="Navigation Level 1">
        <p>Connect with a counselor, today!</p>
        <div class="btn-set">
            <a href="tel:8003882227" class="btn-link btn-link__phone">
                <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="currentColor" class="w-6 h-6">
                    <path d="M10.5 18.75a.75.75 0 000 1.5h3a.75.75 0 000-1.5h-3z" />
                    <path fill-rule="evenodd" d="M8.625.75A3.375 3.375 0 005.25 4.125v15.75a3.375 3.375 0 003.375 3.375h6.75a3.375 3.375 0 003.375-3.375V4.125A3.375 3.375 0 0015.375.75h-6.75zM7.5 4.125C7.5 3.504 8.004 3 8.625 3H9.75v.375c0 .621.504 1.125 1.125 1.125h2.25c.621 0 1.125-.504 1.125-1.125V3h1.125c.621 0 1.125.504 1.125 1.125v15.75c0 .621-.504 1.125-1.125 1.125h-6.75A1.125 1.125 0 017.5 19.875V4.125z" clip-rule="evenodd" />
                </svg>
                <span>800-388-2227</span>
            </a>
            <span id="chatbutton" style="display:none"/>
            <a href="https://video.nfcc.org/video/b34994bd-0f52-11ee-90cc-0270cbea12cf" class="btn-link btn-link__video">
                <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="currentColor" class="w-6 h-6">
                    <path d="M4.5 4.5a3 3 0 00-3 3v9a3 3 0 003 3h8.25a3 3 0 003-3v-9a3 3 0 00-3-3H4.5zM19.94 18.75l-2.69-2.69V7.94l2.69-2.69c.944-.945 2.56-.276 2.56 1.06v11.38c0 1.336-1.616 2.005-2.56 1.06z" />
                </svg>
                <span>Video Chat</span>
            </a>
            </span>    
            <a href="/agency-finder" class="btn-link btn-link__email">
                <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="currentColor" class="w-6 h-6">
                    <path d="M1.5 8.67v8.58a3 3 0 003 3h15a3 3 0 003-3V8.67l-8.928 5.493a3 3 0 01-3.144 0L1.5 8.67z" />
                    <path d="M22.5 6.908V6.75a3 3 0 00-3-3h-15a3 3 0 00-3 3v.158l9.714 5.978a1.5 1.5 0 001.572 0L22.5 6.908z" />
                </svg>
                <span class="mobile-hidden">We'll&nbsp;</span>
                <span>Contact You</span>
            </a>
        </div>
    </div>
</div>




<header class="header__main-nav">
    <div class="container-full-width">
        <a id="home-link" href="https://www.nfcc.org/" rel="home" tabindex="1">
    <img src="/wp-content/themes/foundation/images/logo-nfcc-2023.svg" alt="NFCC Homepage" />
</a><div class="header__primary-nav" role="navigation" aria-description="This is the main site navigation" aria-label="Navigation Level 2">
    <div class="menu-2023-main-nav-container"><ul id="primary-menu" class="menu"><li id="menu-item-31926" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31926"><a href="/how-we-help" tabindex="3">How we help</a></li>
<li id="menu-item-31927" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-31927"><a tabindex="3">Who we help</a>
<ul class="sub-menu">
	<li id="menu-item-31928" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31928"><a href="/who-benefits" tabindex="3">Credit Card Debt</a></li>
	<li id="menu-item-31929" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31929"><a href="/who-benefits/military-and-veterans/" tabindex="3">Military and Veterans</a></li>
	<li id="menu-item-31930" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31930"><a href="/who-benefits/homeowners/" tabindex="3">Homeowners</a></li>
	<li id="menu-item-44745" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44745"><a href="https://www.nfcc.org/who-benefits/home-buyers/" tabindex="3">Home Buyers</a></li>
	<li id="menu-item-31931" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31931"><a href="/who-benefits/distressed-renters/" tabindex="3">Distressed Renters</a></li>
	<li id="menu-item-31932" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31932"><a href="/who-benefits/students/" tabindex="3">Students</a></li>
	<li id="menu-item-31933" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31933"><a href="/who-benefits/self-employed/" tabindex="3">Self Employed</a></li>
</ul>
</li>
<li id="menu-item-31934" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-31934"><a href="https://www.nfcc.org/who-we-are/" tabindex="3">Who We Are</a></li>
<li id="menu-item-45201" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-45201"><a tabindex="3">Frequently Asked Questions</a>
<ul class="sub-menu">
	<li id="menu-item-45202" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45202"><a href="https://www.nfcc.org/faqs/" tabindex="4">FAQs</a></li>
	<li id="menu-item-45203" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45203"><a href="https://www.nfcc.org/glossary/" tabindex="4">Glossary</a></li>
</ul>
</li>
</ul></div></div>
        <!-- Mobile Hamburger Toggle Button -->
        <button id="header__menu-toggle" class="header__menu-toggle" aria-controls="primary-menu" aria-expanded="false">
            <img class="burger" src="https://www.nfcc.org/wp-content/themes/foundation/images/hamburger_menu.svg" alt="open nav"  />
        </button>
    </div>
    
    <div class="header__right-btn">
    <!-- <a href="tel:8003882227" aria-label="contact by phone button" class="header__btn header__btn--gray" tabindex="3">
        <img src="/wp-content/themes/foundation/images/phone_button.svg" alt="">
        <span>800-388-2227</span>
    </a> -->
    <div class="header__btn header__btn--orange">
        <p class="no-margin">Get connected with a counselor today!</p>
        <div class="btn-set">
            <a href="tel:8003882227" class="btn-link btn-link__phone">
                <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="currentColor" class="w-6 h-6">
                    <path d="M10.5 18.75a.75.75 0 000 1.5h3a.75.75 0 000-1.5h-3z" />
                    <path fill-rule="evenodd" d="M8.625.75A3.375 3.375 0 005.25 4.125v15.75a3.375 3.375 0 003.375 3.375h6.75a3.375 3.375 0 003.375-3.375V4.125A3.375 3.375 0 0015.375.75h-6.75zM7.5 4.125C7.5 3.504 8.004 3 8.625 3H9.75v.375c0 .621.504 1.125 1.125 1.125h2.25c.621 0 1.125-.504 1.125-1.125V3h1.125c.621 0 1.125.504 1.125 1.125v15.75c0 .621-.504 1.125-1.125 1.125h-6.75A1.125 1.125 0 017.5 19.875V4.125z" clip-rule="evenodd" />
                </svg>
                <span>800-388-2227</span>
            </a>
            <span id="chatbutton1" style="display:none"/>
            <a href="https://video.nfcc.org/video/b34994bd-0f52-11ee-90cc-0270cbea12cf" class="btn-link btn-link__video">
                <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="currentColor" class="w-6 h-6">
                    <path d="M4.5 4.5a3 3 0 00-3 3v9a3 3 0 003 3h8.25a3 3 0 003-3v-9a3 3 0 00-3-3H4.5zM19.94 18.75l-2.69-2.69V7.94l2.69-2.69c.944-.945 2.56-.276 2.56 1.06v11.38c0 1.336-1.616 2.005-2.56 1.06z" />
                </svg>
                <span>Video Chat</span>
            </a>
            </span>    
            <a href="/agency-finder" class="btn-link btn-link__email">
                <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="currentColor" class="w-6 h-6">
                    <path d="M1.5 8.67v8.58a3 3 0 003 3h15a3 3 0 003-3V8.67l-8.928 5.493a3 3 0 01-3.144 0L1.5 8.67z" />
                    <path d="M22.5 6.908V6.75a3 3 0 00-3-3h-15a3 3 0 00-3 3v.158l9.714 5.978a1.5 1.5 0 001.572 0L22.5 6.908z" />
                </svg>
                <span>We'll Contact You</span>
            </a>
        </div>
    </div>
    <!-- <a href="/agency-finder" aria-label="link to connect with a counselor" class="header__btn header__btn--orange"  tabindex="3">Connect with a counselor</a> -->
</div>
<div id="header__mobile-nav" class="header__mobile-nav">
    <hr style="margin-top: 0;">
    <form role="search" method="get" id="search-form" action="https://www.nfcc.org/" class="mobile-search-form container">
  <div class="input-group">
    <input type="input" class="form-control border-0 search-input" placeholder="Search" aria-label="search nico" name="s" id="search-input" value="">
    <input type="submit" value=" " class="submit">
      <div class="input-group-append">
         <!-- <span class="input-group-append p-0">
          <i class="fas fa-search text-muted"></i>
         </span> -->
    </div>
  </div>
</form>
  
    <div class="header__mobile-nav--primary">
        <div class="menu-2023-main-nav-container"><ul id="primary-menu" class="menu"><li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31926"><a href="/how-we-help" tabindex="3">How we help</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-31927"><a tabindex="3">Who we help</a>
<ul class="sub-menu">
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31928"><a href="/who-benefits" tabindex="3">Credit Card Debt</a></li>
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31929"><a href="/who-benefits/military-and-veterans/" tabindex="3">Military and Veterans</a></li>
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31930"><a href="/who-benefits/homeowners/" tabindex="3">Homeowners</a></li>
	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44745"><a href="https://www.nfcc.org/who-benefits/home-buyers/" tabindex="3">Home Buyers</a></li>
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31931"><a href="/who-benefits/distressed-renters/" tabindex="3">Distressed Renters</a></li>
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31932"><a href="/who-benefits/students/" tabindex="3">Students</a></li>
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31933"><a href="/who-benefits/self-employed/" tabindex="3">Self Employed</a></li>
</ul>
</li>
<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-31934"><a href="https://www.nfcc.org/who-we-are/" tabindex="3">Who We Are</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-45201"><a tabindex="3">Frequently Asked Questions</a>
<ul class="sub-menu">
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45202"><a href="https://www.nfcc.org/faqs/" tabindex="4">FAQs</a></li>
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45203"><a href="https://www.nfcc.org/glossary/" tabindex="4">Glossary</a></li>
</ul>
</li>
</ul></div>    </div>
    <hr>
    <div class="header__mobile-nav--secondary">
        <div class="menu-2023-header-top-nav-container"><ul id="header-topnav" class="menu"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-43544"><a href="https://www.nfcc.org/donate-now/" tabindex="1">Donate Now</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-35596"><a tabindex="1">Members</a>
<ul class="sub-menu">
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-35594"><a href="https://nfcc.org/current-members" tabindex="2">Request Member Site Access</a></li>
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-35939"><a href="https://member.nfcc.org">Member Website</a></li>
	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-35595"><a href="https://www.nfcc.org/members/" tabindex="3">Prospective Members</a></li>
</ul>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31914"><a href="/partnerships-donors/" tabindex="1">Partner with Us</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-43545"><a tabindex="1">Education</a>
<ul class="sub-menu">
	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-35204"><a href="https://www.nfcc.org/online-courses/" tabindex="2">Online Courses</a></li>
</ul>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-31915"><a tabindex="1">Resources</a>
<ul class="sub-menu">
	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31917"><a href="/tools-tips/" tabindex="2">Tools and Tips</a></li>
</ul>
</li>
</ul></div>    </div>
    <hr>
    <div class="gt-btns" tabindex="2">
        <!-- Custom Gtranslate link check 2023-script -->
        <div class="gt-btns__en"><a href="#" data-gt-lang="en" class="gt-current-lang notranslate">Select English</a></div><div class="gt-btns__es"><a href="#" data-gt-lang="es" class="notranslate">Seleccionar Espanol</a></div>    </div>
    <hr>
    <!-- <div class="header__mobile-btn">
        <a class="header__btn header__btn--gray" href="tel:8003882227" aria-label="mobile menu">
            <img src="/wp-content/themes/foundation/images/phone_button.svg" alt="">
            <span>800-388-2227</span>
        </a>
        <a href="/agency-finder" aria-label="contact button" class="header__btn header__btn--orange">Get Connected</a>
    </div> -->
</div>
    <div class="header__search-bar" tabindex="2" aria-label="search button">
        <form role="search" method="get" id="search-form" action="https://www.nfcc.org/" class="mobile-search-form container">
  <div class="input-group">
    <input type="input" class="form-control border-0 search-input" placeholder="Search" aria-label="search nico" name="s" id="search-input" value="">
    <input type="submit" value=" " class="submit">
      <div class="input-group-append">
         <!-- <span class="input-group-append p-0">
          <i class="fas fa-search text-muted"></i>
         </span> -->
    </div>
  </div>
</form>
     </div>
</header>

	<main id="primary" class="site-main test">
		
<article id="post-30927" class="post-30927 page type-page status-publish has-post-thumbnail hentry">

	<div>
		
	<section style="background-color:#ffffff" class="hero-home-2023 hero-home-2023--light large" >
		<div class="hero-home-2023__main">
			<div class="container-2023 hero-home-2023__main-container" >
				<div class="hero-home-2023__text large">
					 <h1 class="hero-home-2023__heading large">A better life beyond  debt begins here.</h1> 					<div class="copy"><p>Take the first step toward freedom from debt—with expert help, proven tools, and a plan made for you.</p></div>
					<div class="hero-home-2023__btn-container"><a class="btn hero-home-2023__btn" aria-description="button for Connect with a counselor" href="https://www.nfcc.org/agency-finder?loc=home-banneru0026lang=en" target="">Connect with a counselor</a></div>					<h3 class="contact">Call <a href="tel:800-388-2227" target="_blank" rel="noopener" aria-label="Phone number link">(800) 388-2227</a> to get started.</h3>				</div>
				<div class="flex-container"><div class="hero-home-2023__slider hero-home-2023__slider-desktop" ><div class="hero-home-2023__slider-item"><img decoding="async" aria-label="" src="https://www.nfcc.org/wp-content/uploads/2025/04/hero-smiling-woman-.png" alt="A smiling woman with her arms crossed."></div><div class="hero-home-2023__slider-item"><img decoding="async" aria-label="" src="https://www.nfcc.org/wp-content/uploads/2025/04/hero-mother-two-sons.png" alt="Mother and two sons."></div><div class="hero-home-2023__slider-item"><img decoding="async" aria-label="" src="https://www.nfcc.org/wp-content/uploads/2025/04/hero-man-smiles.png" alt="A man with graying hair and a gray shirt smiles."></div><div class="hero-home-2023__slider-item"><img decoding="async" aria-label="" src="https://www.nfcc.org/wp-content/uploads/2025/04/hero-smiling-woman-gray-hair.png" alt="A woman with gray hair and glasses smiles, with her hands clasped."></div></div></div>			</div>
		</div>
	</section>
	


<section style="background-color: #00c1e1;" class="nfcc-block icon-copy " >
    <div class="container-2023" >
                <div class="icon-copy__row ">
                        <div class="icon-copy__row-item">
                <img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/umbrella.svg" alt="Umbrella Icon" loading="lazy">
                <h3 style="color:#ffffff">A trusted resource since 1951</h3>
            </div>
                        <div class="icon-copy__row-item">
                <img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/us_map.svg" alt="Unites States" loading="lazy">
                <h3 style="color:#ffffff">1,500+ NFCC certified credit counselors</h3>
            </div>
                        <div class="icon-copy__row-item">
                <img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/chat.svg" alt="Chat Icon" loading="lazy">
                <h3 style="color:#ffffff">35 million served since 2006</h3>
            </div>
                    </div>
    </div>
</section>




	<section aria-description="Section that shows company logos that featured NFCC services" style="background-color:" class="featured-on-2023 " >
		<div class="featured-row"><div class="container-2023"><h3 class="title">As featured by:</h3><div class="logos"><a href="#" target="_blank"><img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/logo-The_New_York_Times.svg" alt="The New York Times logo" width="125"></a><a href="#" target="_blank"><img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/logo-today.svg" alt="Today logo" width="125"></a><a href="#" target="_blank"><img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/logo-The_Washington_Post_Newspaper.svg" alt="The Washington Post logo" width="125"></a><a href="#" target="_blank"><img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/logo-cnbc-ar21.svg" alt="CNBC logo" width="125"></a><a href="#" target="_blank"><img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/logo-wsj.svg" alt="The Wall Street Journal logo" width="125"></a></div><!-- Feautured on logos --></div><!-- Feautured on row --></div>	</section>



<section style="background-color: #ffffff;" class="nfcc-block video__column col-vid " >
    <div class="container-2023" >
        <div class="row align__items--center row-reverse">
            <div class="column">
                <h2 style="color: ;" class="video__column-heading">How it works.</h2>
                <div class="video__column-copy"><p>Whether it&#8217;s paying down credit card debt, managing a household budget, or preparing to purchase a home, NFCC-certified credit counselors are ready to help you with a personalized action plan and resources regardless of your income or financial status.</p>
<div class="how-it-works-block__copy">
<ol class="how-it-works-block__list" aria-description="This section list the steps on how to achieve your financial goal with personalized action plan and resources.">
<li class="how-it-works-block__list-item">
<div class="how-it-works-block__list-heading"><span style="font-size: 22px;">Connect with an NFCC-certified credit counselor for a confidential consultation</span></div>
</li>
<li class="how-it-works-block__list-item">
<div class="how-it-works-block__list-heading"><span style="font-size: 22px;">Participate in a one-on-one review of your financial goals and budget</span></div>
</li>
<li class="how-it-works-block__list-item">
<div class="how-it-works-block__list-heading"><span style="font-size: 22px;">Create a personalized financial action plan</span></div>
</li>
</ol>
</div>
</div>
                <div class="video__column-btns">
                                            <a href="https://www.nfcc.org/agency-finder/" aria-label="Button link - Connect with a Counselor" class="btn">Connect with a Counselor</a>
                    
                                    </div>
            </div>
            <div class="column column-stretch">

                                    <div class="ratio ratio-16x9" style="--aspect-ratio: 9 / 16;">
                        <iframe frameborder="0" src="https://www.youtube.com/embed/euMM2yLyFp8?si=LgRo4oKM3Bu-CfOX&#038;rel=0" title="YouTube video" allowfullscreen></iframe>
                    </div>
                                </div>
        </div>
    </div>
</section>




<header class="wp-block-cover alignfull is-style-nfcc-block" style="border-style:none;border-width:0px;min-height:200px;aspect-ratio:unset;"><span aria-hidden="true" class="wp-block-cover__background has-darker-blue-background-color has-background-dim-100 has-background-dim"></span><div class="wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-1 wp-block-cover-is-layout-constrained">
<div class="wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile add-vertical-divider-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow" style="padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--40)">
<figure class="wp-block-image aligncenter size-full is-resized"><a href="https://www.nfcc.org/dmp-savings-calculator/"><img decoding="async" width="200" height="200" src="https://www.nfcc.org/wp-content/uploads/2024/07/moeny-calc.png" alt="" class="wp-image-41222" style="width:125px;height:auto" srcset="https://www.nfcc.org/wp-content/uploads/2024/07/moeny-calc.png 200w, https://www.nfcc.org/wp-content/uploads/2024/07/moeny-calc-150x150.png 150w" sizes="(max-width: 200px) 100vw, 200px" /></a></figure>
</div>



<div class="wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow" style="padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--40)">
<p style="font-size:clamp(17.905px, 1.119rem + ((1vw - 3.2px) * 0.631), 28px);"><a href="https://www.nfcc.org/dmp-savings-calculator/">See How You Could Save With A Debt Management Plan</a></p>
</div>
</div>
</div></header>



<section style="background-color: #c0e0ea;" class="nfcc-block video__column col-vid  add-vertical-dots" >
    <div class="container-2023" >
        <div class="row align__items--center ">
            <div class="column">
                <h2 style="color: ;" class="video__column-heading">Clear Benefits.</h2>
                <div class="video__column-copy"><ul>
<li>Stop collection calls</li>
<li>Lower interest rates</li>
<li>One monthly payment</li>
<li>No hidden fees</li>
<li>Affordable solutions</li>
<li>Improved financial health</li>
</ul>
<p>Beyond our credentials and decades of service as a nonprofit financial counseling organization, our Member Agencies offer tools and guidance to help you realize your financial goals. A Debt Management Plan is one of the most effective tools available through nonprofit credit counselors, and is a safer, less costly way to pay down debt. Why risk your financial future?</p>
</div>
                <div class="video__column-btns">
                    
                                    </div>
            </div>
            <div class="column column-stretch">

                                    <div class="ratio ratio-16x9" style="--aspect-ratio: 9 / 16;">
                        <iframe frameborder="0" src="https://www.youtube.com/embed/h9wAZbsPnH8?si=Tt9TlpmKfoWoqPLu" title="YouTube video" allowfullscreen></iframe>
                    </div>
                                </div>
        </div>
    </div>
</section>




<section class="nfcc-block column__layout rss__feed " >
    <div class="container-2023" >
        <h2>NFCC in the News</h2>
                <div class="rss__feed-slider" aria-description="This is a slider of latest news and blog about NFCC">
                            <div class="column__layout-item">
                    <p class="rss__feed-media-outlet">
                        WTOP-FM Online<br /><br />                    </p>
                    <a href="https://wtop.com/news/2025/01/maxed-out-credit-card-next-steps-to-take/" target="_blank"><h4>Maxed-Out Credit Card? Next Steps to Take &#8211; WTOP News</h4></a>
                                        </div>
                            <div class="column__layout-item">
                    <p class="rss__feed-media-outlet">
                        MSN Money<br /><br />                    </p>
                    <a href="https://www.msn.com/en-us/money/personalfinance/americans-have-dug-themselves-into-a-credit-card-hole/ar-AA1xqmoq?ocid=finance-verthp-feeds" target="_blank"><h4>Americans have dug themselves into a credit card hole</h4></a>
                                        </div>
                            <div class="column__layout-item">
                    <p class="rss__feed-media-outlet">
                        NerdWallet<br /><br />                    </p>
                    <a href="https://www.nerdwallet.com/article/finance/natural-disaster-finances" target="_blank"><h4>Where to Turn When a Natural Disaster Upends Your Finances</h4></a>
                                        </div>
                            <div class="column__layout-item">
                    <p class="rss__feed-media-outlet">
                        Tribune Content Agency Online<br /><br />                    </p>
                    <a href="https://tribunecontentagency.com/article/terry-savage-dealing-with-debt-in-the-new-year/" target="_blank"><h4>Terry Savage: Dealing with debt in the new year</h4></a>
                                        </div>
                            <div class="column__layout-item">
                    <p class="rss__feed-media-outlet">
                        Yahoo Finance<br /><br />                    </p>
                    <a href="https://finance.yahoo.com/news/holiday-spending-increases-pressure-household-234511400.html" target="_blank"><h4>Holiday spending increases pressure on household debt: report</h4></a>
                                        </div>
                    </div>
        <div class="rss__feed-controls"></div>
    </div>
</section>




<section class="nfcc-block column__layout " >
    <div class="container-2023" >
        <h2>NFCC Blog</h2>
                <div class="column__layout-slider" aria-description="This is a slider of latest news and blog about NFCC">
                            <div class="column__layout-item">
                    <a href="https://www.nfcc.org/blog/debt-and-the-deceased-how-should-spouses-and-heirs-proceed/"><h4>Debt and the Deceased: How Should Spouses and Heirs Proceed?</h4></a>
                    <p>When a spouse passes away, it&#8217;s normal to be left with questions about the future of your finances. For example, will you inherit their debt? Are you responsible for paying off joint accounts? These are common questions for surviving loved ones. Proper estate planning can help you resolve these questions beforehand, and it can also [&hellip;]</p>
                </div>
                            <div class="column__layout-item">
                    <a href="https://www.nfcc.org/blog/why-rent-to-own-is-the-wrong-choice-for-you/"><h4>Why Rent-to-Own is the Wrong Choice for You</h4></a>
                    <p>There are a lot of times when renting makes sense. When you fly into a new city and you have a lot of traveling to do, you rent a car. When you’re on vacation and want to explore a beautiful little seaside town, you rent a bike. It makes perfect sense to rent when you [&hellip;]</p>
                </div>
                            <div class="column__layout-item">
                    <a href="https://www.nfcc.org/blog/using-your-tax-refund-to-pay-down-debt/"><h4>Using Your Tax Refund to Pay Down Debt</h4></a>
                    <p>After you file your taxes, you might have another big milestone to check off of your financial &#8220;to do&#8221; list this year. What milestone am I referring to? Paying off debt! If you&#8217;re due a tax refund, you might be tempted to use the money on a trip or a fun purchase, but the refund [&hellip;]</p>
                </div>
                            <div class="column__layout-item">
                    <a href="https://www.nfcc.org/blog/pros-cons-to-paying-off-credit-card-debt/"><h4>Pros &#038; Cons to Paying Off Credit Card Debt</h4></a>
                    <p>It goes without saying that there are great reasons to pay off your credit card debt. But are there ever good reasons not to pay? The answer is a little more complicated than you would think. When it comes to dealing with your open credit card debts, paying off the full balance is usually the [&hellip;]</p>
                </div>
                    </div>
        <div class="column__layout-controls"></div>
        <a href="https://www.nfcc.org/blog/" class="column__layout-link">
            <span class="material-symbols-outlined notranslate"> chevron_right </span>
            <span class="column__layout-link-text">Read the NFCC Blog</span>
        </a>
    </div>
</section>




<section style="background-image: url(https://www.nfcc.org/wp-content/uploads/2023/04/happy-mom-daughter-23.png); background-color:;" class="nfcc-block layout-testimonial  no-pad-top-bottom" >
    <div class="container-2023" aria-description="This section is a slider for client testimonials ephasizing how NFCC have helped them achieve their goal.">
        <h3 class="layout-testimonial__heading-mobile">
            Creating a plan today<span style="color:#0085AD ;"> for a brighter tomorrow.</span>        </h3>
        <div class="layout-testimonial__content-wrapper">
            <div class="layout-testimonial__content">
                <h3 class="layout-testimonial__heading-desktop">
                    Creating a plan today<span style="color:#0085AD ;"> for a brighter tomorrow.</span>                </h3>
                <img decoding="async" class="quote-icon" src="https://www.nfcc.org/wp-content/uploads/2023/04/quote.svg" alt="Quote Icon" loading="lazy">                <div class="layout-testimonial__slider">
                    <div class="layout-testimonial__slider-item"><p>Your work and business vision have changed the trajectory of my life. You’ve impacted my legacy, how I walk, how I talk, how I live, parent and love. I am different. I am free.</p>
    <div class="layout-testimonial__slider-name">Johnika Dreher</div>    <div class="layout-testimonial__slider-title">Client, NFCC Member Agency Money Management International</div></div><div class="layout-testimonial__slider-item"><p>We realized that we had more expenses than income. My counselor helped me prioritize my expenses and informed me of options to handle my debt. She provided suggestions on how to balance our budget.</p>
    <div class="layout-testimonial__slider-name">LeAnne</div>    <div class="layout-testimonial__slider-title">Apprisen Client</div></div><div class="layout-testimonial__slider-item"><p>My daughter referred me! This program will help me pay off the debt faster and free up some money to start putting toward my retirement fund.</p>
    <div class="layout-testimonial__slider-name">Deborah</div>    <div class="layout-testimonial__slider-title">InCharge Debt Solutions Client</div></div><div class="layout-testimonial__slider-item"><p>I am only in the beginning stages but, so far, everything in my &#8220;plan&#8221; to financial stability seems to be going smoothly. I feel more prepared to handle my financial situation.</p>
    <div class="layout-testimonial__slider-name">Jennifer</div>    <div class="layout-testimonial__slider-title">GreenPath Financial Wellness Client</div></div>                </div><!-- testi slider -->
                <img decoding="async" class="quote-icon--end" src="https://www.nfcc.org/wp-content/uploads/2023/04/quote.svg" alt="Quote Icon" loading="lazy"><div class="layout-testimonial__slider-nav "></div>            </div><!-- testi content-->
        </div><!-- /.content-wrapper -->
    </div><!-- testi container-->
    <img decoding="async" class="main-img" src="https://www.nfcc.org/wp-content/uploads/2023/04/happy-mom-daughter-23.png" alt="Happy mom and daughter" loading="lazy">
</section>




<section style="background-color: #0085ad;" class="nfcc-block icon-copy  display-none pre-signup-icons padding-top-bottom-small" >
    <div class="container-2023" >
                <div class="icon-copy__row icon-copy__row--less">
                        <div class="icon-copy__row-item">
                <img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/us_map.svg" alt="Unites States" loading="lazy">
                <h3 style="color:#ffffff">1,600+ NFCC certified credit counselors</h3>
            </div>
                        <div class="icon-copy__row-item">
                <img decoding="async" src="https://www.nfcc.org/wp-content/uploads/2023/04/chat.svg" alt="Chat Icon" loading="lazy">
                <h3 style="color:#ffffff">One-on-one financial reviews</h3>
            </div>
                    </div>
    </div>
</section>




<section style="background-color: #0085ad" class="nfcc-block layout__form-section " > 
    <div class="container-2023" >
        <div class="layout__form-section--wrapper">
            <h2 class="white-txt layout__form-section--heading" style="margin-bottom:1rem;">
                <h2 class="white-txt layout__form-section--heading">Better financial futures for all.</h2>            </h2>
            <p class="layout__form-section--subheading white-txt">Ready to get started? We’re here to help. Fill out the form below to connect with us.</p>
            <div>
                <script type="text/javascript"></script>
                <div class='gf_browser_gecko gform_wrapper gravity-theme nfcc-agency-finder-form_wrapper' id='gform_wrapper_1' style='display:none'>
                        <div class='gform_heading'>
                            <h2 class="gform_title">NFCC Locator Form</h2>
                            <span class='gform_description'></span>
							<p class='gform_required_legend'>&quot;<span class="gfield_required gfield_required_asterisk">*</span>&quot; indicates required fields</p>
                        </div><form method='post' enctype='multipart/form-data'  id='gform_1' class='nfcc-agency-finder-form' action='/' novalidate>
                        <div class='gform_body gform-body'><div id='gform_fields_1' class='gform_fields top_label form_sublabel_below description_below'><div id="field_1_1"  class="gfield gfield--width-full gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_1_1"><label class='gfield_label' for='input_1_1' >I&#039;m ready to schedule a financial review for:<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_select'><select name='input_1' id='input_1_1' class='large gfield_select'    aria-required="true" aria-invalid="false" ><option value='Credit Counseling' >Credit Card Debt</option><option value='Overall Budget and Financial Review' >Household Budgeting and Finances</option><option value='First Time Homebuyer' >Homebuyer Guidance</option><option value='Foreclosure Prevention' >Foreclosure Prevention</option><option value='Reverse Mortgage' >Reverse Mortgage Counseling</option><option value='Rental Counseling' >Renter Budgeting</option><option value='Bankruptcy' >Bankruptcy Guidance</option><option value='Student Loan Help' >Student Loan Debt</option><option value='Small Business Owner' >Small Business Owner Finances</option></select></div></div><fieldset id="field_1_3"  class="gfield gfield--width-full gfield_contains_required field_sublabel_hidden_label field_description_below gfield_visibility_visible"  data-js-reload="field_1_3"><legend class='gfield_label gfield_label_before_complex'  >Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></legend><div class='ginput_complex ginput_container no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name' id='input_1_3'>
                            
                            <span id='input_1_3_3_container' class='name_first' >
                                                    <input type='text' name='input_3.3' id='input_1_3_3' value=''   aria-required='true'   placeholder='First Name'  />
                                                    <label for='input_1_3_3' class='hidden_sub_label screen-reader-text'>First Name*</label>
                                                </span>
                            
                            <span id='input_1_3_6_container' class='name_last' >
                                                    <input type='text' name='input_3.6' id='input_1_3_6' value=''   aria-required='true'   placeholder='Last Name'  />
                                                    <label for='input_1_3_6' class='hidden_sub_label screen-reader-text'>Last Name*</label>
                                                </span>
                            
                        </div></fieldset><fieldset id="field_1_4"  class="gfield gfield--width-half gfield_contains_required field_sublabel_hidden_label field_description_below gfield_visibility_visible"  data-js-reload="field_1_4"><legend class='gfield_label gfield_label_before_complex'  >Zip<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></legend>    
                    <div class='ginput_complex ginput_container has_zip ginput_container_address' id='input_1_4' >
                        <input type='hidden' class='gform_hidden' name='input_4.4' id='input_1_4_4' value=''/><span class='ginput_right address_zip ginput_address_zip' id='input_1_4_5_container' >
                                    <input type='text' name='input_4.5' id='input_1_4_5' value=''   placeholder='Zip' aria-required='true'    />
                                    <label for='input_1_4_5' id='input_1_4_5_label' class='hidden_sub_label screen-reader-text'>Zip code</label>
                                </span><input type='hidden' class='gform_hidden' name='input_4.6' id='input_1_4_6' value='United States' />
                    <div class='gf_clear gf_clear_complex'></div>
                </div></fieldset><div id="field_1_5"  class="gfield gfield--width-half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_1_5"><label class='gfield_label' for='input_1_5' >Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_5' id='input_1_5' type='email' value='' class='large'   placeholder='Email' aria-required="true" aria-invalid="false"  />
                        </div></div><div id="field_1_6"  class="gfield gfield--width-half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_1_6"><label class='gfield_label' for='input_1_6' >Phone<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_phone'><input name='input_6' id='input_1_6' type='tel' value='' class='large'  placeholder='Phone' aria-required="true" aria-invalid="false"   /></div></div><div id="field_1_11"  class="gfield gfield--width-half gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_1_11"><label class='gfield_label' for='input_1_11' >Preferred Language<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_select'><select name='input_11' id='input_1_11' class='large gfield_select'    aria-required="true" aria-invalid="false" ><option value='' selected='selected' class='gf_placeholder'>Preferred Language</option><option value='English' >English</option><option value='Spanish' >Spanish</option></select></div></div><fieldset id="field_1_7"  class="gfield gfield--width-full gfield_contains_required field_sublabel_below field_description_below hidden_label gfield_visibility_visible"  data-js-reload="field_1_7"><legend class='gfield_label gfield_label_before_complex'  >Checkbox<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox' id='input_1_7'><div class='gchoice gchoice_1_7_1'>
								<input class='gfield-choice-input' name='input_7.1' type='checkbox'  value='The NFCC and its member agencies may contact me by phone, email or text.'  id='choice_1_7_1'   />
								<label for='choice_1_7_1' id='label_1_7_1'>The NFCC and its member agencies may contact me by phone, email or text.</label>
							</div></div></div></fieldset><div id="field_1_8"  class="gfield gform_hidden field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_1_8"><div class='ginput_container ginput_container_text'><input name='input_8' id='input_1_8' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_1_9"  class="gfield gfield--width-full gform_hidden field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_1_9"><div class='ginput_container ginput_container_text'><input name='input_9' id='input_1_9' type='hidden' class='gform_hidden'  aria-invalid="false" value='none' /></div></div><div id="field_1_10"  class="gfield gform_hidden field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_1_10"><div class='ginput_container ginput_container_text'><input name='input_10' id='input_1_10' type='hidden' class='gform_hidden'  aria-invalid="false" value='' /></div></div><div id="field_1_12"  class="gfield gfield--width-full gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_1_12"><p style="margin-top:0;font-size:.75rem;text-align: justify; text-justify: inter-character;color:#fff;">We take your privacy seriously. By clicking on the “Get Connected” button below, you consent, acknowledge, and agree to the National Foundation for Credit Counseling© (NFCC©) Terms of Use and Privacy Policy, as well as the terms of use and privacy policies of any NFCC Member Agencies or third parties that may contact you following your submission of this form. Moreover, you agree that NFCC may share your information with NFCC Member Agencies to provide you with counseling and education or other third parties to provide additional services. You further agree that you are providing express “written” consent for NFCC and NFCC Member Agencies or third parties to call you (including autodialing, texting and pre-recorded messaging for convenience) via telephone and mobile device (including SMS and MMS communications - charges may apply depending on your carrier; messaging frequency varies), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. You agree that opt-out and unsubscribe options and instructions will be the responsibility of the entity directly sending you communications, which may be a NFCC Member Agency or a third party. You further agree that NFCC is not responsible for and will not be liable for communications it does not send to you directly. You agree to receive electronic communications, including periodic emails, with important news, financial tips, tools and more. Consent is not required as a condition to utilize NFCC’s services and you are under no obligation to purchase anything.</p></div><div id="field_1_13"  class="gfield gform_validation_container field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_1_13"><label class='gfield_label' for='input_1_13' >Phone</label><div class='ginput_container'><input name='input_13' id='input_1_13' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_1_13'>This field is for validation purposes and should be left unchanged.</div></div></div></div>
        <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_1' class='gform_button button' value='Get Connected'  onclick='if(window["gf_submitting_1"]){return false;}  if( !jQuery("#gform_1")[0].checkValidity || jQuery("#gform_1")[0].checkValidity()){window["gf_submitting_1"]=true;}  ' onkeypress='if( event.keyCode == 13 ){ if(window["gf_submitting_1"]){return false;} if( !jQuery("#gform_1")[0].checkValidity || jQuery("#gform_1")[0].checkValidity()){window["gf_submitting_1"]=true;}  jQuery("#gform_1").trigger("submit",[true]); }' /> 
            <input type='hidden' class='gform_hidden' name='is_submit_1' value='1' />
            <input type='hidden' class='gform_hidden' name='gform_submit' value='1' />
            
            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' />
            <input type='hidden' class='gform_hidden' name='state_1' value='WyJbXSIsIjFhOGYxNjYzN2ZlNDNiYWE5ZDA5MTYwNmUxNDkwY2M4Il0=' />
            <input type='hidden' class='gform_hidden' name='gform_target_page_number_1' id='gform_target_page_number_1' value='0' />
            <input type='hidden' class='gform_hidden' name='gform_source_page_number_1' id='gform_source_page_number_1' value='1' />
            <input type='hidden' name='gform_field_values' value='' />
            
        </div>
                        </form>
                        </div>            </div>
        </div>
    </div>
</section>




<section class="nfcc-block connect__block "  style="background-color: #88dbdf">
    <div class="container-2023" >
        <h2>Ready to connect or learn more about us?</h2>
		<div class="connect__block-content">
			<h3>Call us at <a href="tel:800-388-2227" aria-label="Phone number link">800-388-2227</a></h3>		</div>
    </div>
</section>




<!-- Please don't change. Block is needed for React app. -->
<noscript>You need to enable JavaScript to run this app.</noscript>
<div id="root"></div>




	</div><!-- .entry-content -->

	</article><!-- #post-30927 -->
	</main>

<footer id="colophon" class="site-footer" style="display: block;">
	<div class="container-2023">
		<!-- logo -->
		<div class="site-footer__col site-footer__info">
			<div class="nfcc-logo">
    <a id="home-link" href="https://www.nfcc.org/" rel="home">
        <img src="/wp-content/themes/foundation/images/logo-nfcc-2023.svg" alt="NFCC logo" />
    </a>
</div>			<div class="site-footer__address">2033 K Street NW, Suite 425<br /> Washington, DC 20006</div>
			<div class="social-bookmark" aria-description="This section contains social bookmark link">
				<a href="https://www.facebook.com/NFCCDebtAdvice/" target="_blank" aria-label="This is a link to NFCC's Facebook page" rel="noopener"><img class="social-bookmark__img" src="/wp-content/themes/foundation/images/icon-footer-facebook.svg" alt="NFCC Facebook link" /></a>
				<a href="https://twitter.com/nfcc" target="_blank" aria-label="This is a link to NFCC's Twitter account" rel="noopener"><img class="social-bookmark__img" src="/wp-content/themes/foundation/images/icon-footer-twitter.svg" alt="NFCC Twitter link" /></a>
				<a href="https://www.instagram.com/thenfcc/?hl=en" target="_blank" aria-label="This is a link to NFCC's Instagram account" rel="noopener"><img class="social-bookmark__img" src="/wp-content/themes/foundation/images/icon-footer-instagram.svg" alt="NFCC Instagram link" /></a>
				<a href="https://m.youtube.com/user/NFCC09" target="_blank" aria-label="This is a link to NFCC's Youtube Channel" rel="noopener"><img class="social-bookmark__img" src="/wp-content/themes/foundation/images/icon-footer-youtube.svg" alt="NFCC Youtube link" /></a>
				<a href="https://www.linkedin.com/company/national-foundation-for-credit-counseling" target="_blank" rel="noopener"><img class="social-bookmark__img" src="/wp-content/themes/foundation/images/icon-footer-linkedin.svg" alt="NFCC Linkedin link" /></a>
			</div>
		</div>

		<div class="site-footer__col site-footer__about">
			<div class="notranslate" role="navigation" aria-label="Footer about NFCC navigation">
				<h4>About</h4>
			</div>
			<div class="menu-2023-footer-about-container"><ul id="footer-about" class="menu"><li id="menu-item-31903" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-31903"><a href="https://www.nfcc.org/who-we-are/">Who We Are</a></li>
<li id="menu-item-31906" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31906"><a href="/cy-pres-awards/">Cy Pres Awards</a></li>
<li id="menu-item-31907" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31907"><a href="/press-room/">Press Room</a></li>
<li id="menu-item-31908" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31908"><a href="/faqs/">FAQs</a></li>
</ul></div>		</div>
		<div class="site-footer__col site-footer__resources" role="navigation" aria-label="Footer resources navigation">
			<h4>Resources</h4>
			<div class="menu-2023-footer-resources-container"><ul id="footer-resources" class="menu"><li id="menu-item-31909" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31909"><a href="https://www.nfcc.org/connect/">NFCC Connect</a></li>
<li id="menu-item-31911" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-31911"><a href="https://www.nfcc.org/accreditation-standards/">Accreditation Standards</a></li>
<li id="menu-item-31912" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31912"><a href="/blog">Blog</a></li>
</ul></div>		</div>

		<div class="site-footer__col site-footer__accordion">
			<div class="footer__accordion">
				<div class="footer__accordion--item">
					<div class="footer__accordion--title"><h4>About</h4></div>
					<div class="footer__accordion--content" role="navigation" aria-label="Footer about NFCC navigation">
						<div class="menu-2023-footer-about-container"><ul id="footer-about" class="menu"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-31903"><a href="https://www.nfcc.org/who-we-are/">Who We Are</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31906"><a href="/cy-pres-awards/">Cy Pres Awards</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31907"><a href="/press-room/">Press Room</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31908"><a href="/faqs/">FAQs</a></li>
</ul></div>					</div>
				</div>
				<div class="footer__accordion--item" role="navigation" aria-label="Footer resources navigation">
					<div class="footer__accordion--title"><h4>Resources</h4></div>
					<div class="footer__accordion--content">
						<div class="menu-2023-footer-resources-container"><ul id="footer-resources" class="menu"><li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31909"><a href="https://www.nfcc.org/connect/">NFCC Connect</a></li>
<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-31911"><a href="https://www.nfcc.org/accreditation-standards/">Accreditation Standards</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-31912"><a href="/blog">Blog</a></li>
</ul></div>					</div>
				</div>
			</div>
		</div>

		<!-- Hide request from Jessica 10.16.23 - Restored 4.2024 -->
		<div class="site-footer__col site-footer__signup">
			<h4>Continue Growing with&nbsp;Us</h4>
			<!-- <p>Sign up for monthly money management tips</p> -->
			
                <div class='gf_browser_gecko gform_wrapper gravity-theme footer-subscribe-form_wrapper' id='gform_wrapper_11' style='display:none'><form method='post' enctype='multipart/form-data'  id='gform_11' class='footer-subscribe-form' action='/' novalidate>
                        <div class='gform_body gform-body'><div id='gform_fields_11' class='gform_fields top_label form_sublabel_below description_below'><div id="field_11_1"  class="gfield gfield_contains_required field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_11_1"><label class='gfield_label' for='input_11_1' >Email<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label><div class='ginput_container ginput_container_email'>
                            <input name='input_1' id='input_11_1' type='email' value='' class='large'   placeholder='Enter email...' aria-required="true" aria-invalid="false"  />
                        </div></div><div id="field_11_10"  class="gfield gfield--width-full field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_11_10"><label class='gfield_label' for='input_11_10' >CAPTCHA</label><div id='input_11_10' class='ginput_container ginput_recaptcha' data-sitekey='6LeP1xoqAAAAAC491Zi5NwllR_mnXL5g-ournJB5'  data-theme='light' data-tabindex='0'  data-badge=''></div></div><div id="field_11_11"  class="gfield gform_validation_container field_sublabel_below field_description_below gfield_visibility_visible"  data-js-reload="field_11_11"><label class='gfield_label' for='input_11_11' >Name</label><div class='ginput_container'><input name='input_11' id='input_11_11' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_11_11'>This field is for validation purposes and should be left unchanged.</div></div></div></div>
        <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_11' class='gform_button button' value='Submit'  onclick='if(window["gf_submitting_11"]){return false;}  if( !jQuery("#gform_11")[0].checkValidity || jQuery("#gform_11")[0].checkValidity()){window["gf_submitting_11"]=true;}  ' onkeypress='if( event.keyCode == 13 ){ if(window["gf_submitting_11"]){return false;} if( !jQuery("#gform_11")[0].checkValidity || jQuery("#gform_11")[0].checkValidity()){window["gf_submitting_11"]=true;}  jQuery("#gform_11").trigger("submit",[true]); }' /> 
            <input type='hidden' class='gform_hidden' name='is_submit_11' value='1' />
            <input type='hidden' class='gform_hidden' name='gform_submit' value='11' />
            
            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' />
            <input type='hidden' class='gform_hidden' name='state_11' value='WyJbXSIsIjFhOGYxNjYzN2ZlNDNiYWE5ZDA5MTYwNmUxNDkwY2M4Il0=' />
            <input type='hidden' class='gform_hidden' name='gform_target_page_number_11' id='gform_target_page_number_11' value='0' />
            <input type='hidden' class='gform_hidden' name='gform_source_page_number_11' id='gform_source_page_number_11' value='1' />
            <input type='hidden' name='gform_field_values' value='' />
            
        </div>
                        </form>
                        </div>			<div class="logo-badges">
				<a href=https://www.guidestar.org/profile/shared/6ba5d71b-cd90-49a2-b3df-f128c52a5b9f target="_blank"><img src="https://www.nfcc.org/wp-content/uploads/2024/09/candid-gold-transparency-2024.svg" width="125" height="125" alt="Candid - Profile Gold Transparency 2024 Badge"/></a>
				<a href="https://www.charitynavigator.org/ein/530132493" target="_blank" rel="noopener"><img class="logo-badges__charity-navigator" src="https://www.nfcc.org/wp-content/uploads/2024/02/four-star-rating-badge.svg" alt=" Charity Navigator - Four Star Rating Badge" width="125" height="125"></a>
			</div>
		</div>
		</div>
		<!-- .footer-links -->
		<div class="site-footer__copyright has-sticky-button">
				<div class="container-2023">
					<div class="site-footer__copyright-copy">&copy;&ensp;2025 
						National Foundation for Credit Counseling All Rights Reserved. 
						<a href="/terms-of-use/">Terms&nbsp;of&nbsp;Use</a>&ensp;<a href="/privacy-policy">Privacy&nbsp;Policy</a>&ensp;
						<a href="/security-policy">Security&nbsp;Policy</a>&ensp;
						<a href="/commitment-to-donors/">Commitment to Our Donors</a>&ensp;
					</div>

					<div class="site-footer__copyright-access"><a href="https://digital.nfcc.org/wp-login.php?redirect_to=https%3A%2F%2Fdigital.nfcc.org%2Fwp-admin%2Fprofile.php&reauth=1" aria-label="Link to industry login" target="_blank" aria-label="Link to Industry Login">Industry Login</a></div>				</div>
		</div>

	</div>

</footer><!-- #colophon -->
</div><!-- #page -->

<div class="gtranslate_wrapper" id="gt-wrapper-51626327"></div><link rel='stylesheet' id='gform_basic-css' href='https://www.nfcc.org/wp-content/plugins/gravityforms/assets/css/dist/basic.min.css?ver=2.6.8' media='all' />
<link rel='stylesheet' id='gform_theme_components-css' href='https://www.nfcc.org/wp-content/plugins/gravityforms/assets/css/dist/theme-components.min.css?ver=2.6.8' media='all' />
<link rel='stylesheet' id='gform_theme_ie11-css' href='https://www.nfcc.org/wp-content/plugins/gravityforms/assets/css/dist/theme-ie11.min.css?ver=2.6.8' media='all' />
<link rel='stylesheet' id='gform_theme-css' href='https://www.nfcc.org/wp-content/plugins/gravityforms/assets/css/dist/theme.min.css?ver=2.6.8' media='all' />
<style id='core-block-supports-inline-css'>
.wp-container-core-columns-is-layout-1{flex-wrap:nowrap;}.wp-container-core-cover-is-layout-1 > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width:800px;margin-left:auto !important;margin-right:auto !important;}.wp-container-core-cover-is-layout-1 > .alignwide{max-width:1000px;}.wp-container-core-cover-is-layout-1 .alignfull{max-width:none;}
</style>
<script id="leadin-script-loader-js-js-extra">
var leadin_wordpress = {"userRole":"visitor","pageType":"home","leadinPluginVersion":"10.2.17"};
</script>
<script src="https://js.hs-scripts.com/5146491.js?integration=WordPress&amp;ver=10.2.17" id="leadin-script-loader-js-js"></script>
<script id="rp-react-app-asset-0-js-extra">
var reactPress = {"api":{"nonce":"1826aa544f","rest_url":"https:\/\/www.nfcc.org\/wp-json\/"},"user":{"data":{},"ID":0,"caps":[],"cap_key":null,"roles":[],"allcaps":[],"filter":null},"usermeta":""};
</script>
<script src="https://www.nfcc.org/wp-content/reactpress/apps/nfcc-chatbot-main-nfcc.org-prod/build/static/js/main.9b8e7e28.js?ver=1" id="rp-react-app-asset-0-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/vendor/parallax.min.js?ver=1.0.3" id="foundation-parallax-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/global.js?ver=1.0.3" id="foundation-global-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/navigation.js?ver=1.0.3" id="foundation-navigation-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/leadership.js?ver=1.0.3" id="foundation-leadership-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/calculators/monthly-expense-tool.js?ver=1.0.3" id="foundation-monthly-expense-tool-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/mobile-nav.js?ver=1.0.3" id="foundation-mobile-nav-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/language-switcher.js?ver=1.0.3" id="foundation-language-switcher-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/vendor/jquery-validate.js?ver=1.0.3" id="jquery-validate-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/vendor/date.js" id="date-script-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/slick.min.js?ver=1.0.3" id="slick-js-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/slick-settings.js?ver=1.0.3" id="slick-settings-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/2023-scripts.js?ver=1.0.3" id="2023-scripts-js"></script>
<script src="https://www.nfcc.org/wp-content/themes/foundation/js/accordion.js?ver=1.0.3" id="accordion-js-js"></script>
<script id="gt_widget_script_84946259-js-before">
window.gtranslateSettings = /* document.write */ window.gtranslateSettings || {};window.gtranslateSettings['84946259'] = {"default_language":"en","languages":["en","es"],"url_structure":"sub_directory","flag_style":"3d","flag_size":24,"alt_flags":[],"flags_location":"\/wp-content\/plugins\/gtranslate\/flags\/"};
</script><script src="https://www.nfcc.org/wp-content/plugins/gtranslate/js/base.js?ver=6.6" data-no-optimize="1" data-no-minify="1" data-gt-orig-url="/" data-gt-orig-domain="www.nfcc.org" data-gt-widget-id="84946259" defer></script><script src="https://www.nfcc.org/wp-includes/js/dist/dom-ready.min.js?ver=f77871ff7694fffea381" id="wp-dom-ready-js"></script>
<script src="https://www.nfcc.org/wp-includes/js/dist/hooks.min.js?ver=2810c76e705dd1a53b18" id="wp-hooks-js"></script>
<script src="https://www.nfcc.org/wp-includes/js/dist/i18n.min.js?ver=5e580eb46a90c2b997e6" id="wp-i18n-js"></script>
<script id="wp-i18n-js-after">
wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } );
</script>
<script src="https://www.nfcc.org/wp-includes/js/dist/a11y.min.js?ver=d90eebea464f6c09bfd5" id="wp-a11y-js"></script>
<script defer='defer' src="https://www.nfcc.org/wp-content/plugins/gravityforms/js/jquery.json.min.js?ver=2.6.8" id="gform_json-js"></script>
<script id="gform_gravityforms-js-extra">
var gform_i18n = {"datepicker":{"days":{"monday":"Mon","tuesday":"Tue","wednesday":"Wed","thursday":"Thu","friday":"Fri","saturday":"Sat","sunday":"Sun"},"months":{"january":"January","february":"February","march":"March","april":"April","may":"May","june":"June","july":"July","august":"August","september":"September","october":"October","november":"November","december":"December"},"firstDay":1,"iconText":"Select date"}};
var gf_legacy_multi = [];
var gform_gravityforms = {"strings":{"invalid_file_extension":"This type of file is not allowed. Must be one of the following:","delete_file":"Delete this file","in_progress":"in progress","file_exceeds_limit":"File exceeds size limit","illegal_extension":"This type of file is not allowed.","max_reached":"Maximum number of files reached","unknown_error":"There was a problem while saving the file on the server","currently_uploading":"Please wait for the uploading to complete","cancel":"Cancel","cancel_upload":"Cancel this upload","cancelled":"Cancelled"},"vars":{"images_url":"https:\/\/www.nfcc.org\/wp-content\/plugins\/gravityforms\/images"}};
var gf_global = {"gf_currency_config":{"name":"U.S. Dollar","symbol_left":"$","symbol_right":"","symbol_padding":"","thousand_separator":",","decimal_separator":".","decimals":2,"code":"USD"},"base_url":"https:\/\/www.nfcc.org\/wp-content\/plugins\/gravityforms","number_formats":[],"spinnerUrl":"https:\/\/www.nfcc.org\/wp-content\/plugins\/gravityforms\/images\/spinner.svg","strings":{"newRowAdded":"New row added.","rowRemoved":"Row removed","formSaved":"The form has been saved.  The content contains the link to return and complete the form."}};
var gf_global = {"gf_currency_config":{"name":"U.S. Dollar","symbol_left":"$","symbol_right":"","symbol_padding":"","thousand_separator":",","decimal_separator":".","decimals":2,"code":"USD"},"base_url":"https:\/\/www.nfcc.org\/wp-content\/plugins\/gravityforms","number_formats":[],"spinnerUrl":"https:\/\/www.nfcc.org\/wp-content\/plugins\/gravityforms\/images\/spinner.svg","strings":{"newRowAdded":"New row added.","rowRemoved":"Row removed","formSaved":"The form has been saved.  The content contains the link to return and complete the form."}};
</script>
<script defer='defer' src="https://www.nfcc.org/wp-content/plugins/gravityforms/js/gravityforms.min.js?ver=2.6.8" id="gform_gravityforms-js"></script>
<script id="gform_conditional_logic-js-extra">
var gf_legacy = {"is_legacy":""};
var gf_legacy = {"is_legacy":""};
</script>
<script defer='defer' src="https://www.nfcc.org/wp-content/plugins/gravityforms/js/conditional_logic.min.js?ver=2.6.8" id="gform_conditional_logic-js"></script>
<script defer='defer' src="https://www.nfcc.org/wp-content/plugins/gravityforms/js/jquery.maskedinput.min.js?ver=2.6.8" id="gform_masked_input-js"></script>
<script defer='defer' src="https://www.nfcc.org/wp-content/plugins/gravityforms/js/placeholders.jquery.min.js?ver=2.6.8" id="gform_placeholder-js"></script>
<script defer='defer' src="https://www.google.com/recaptcha/api.js?hl=en&amp;ver=6.6#038;render=explicit" id="gform_recaptcha-js"></script>
<script id="gt_widget_script_51626327-js-before">
window.gtranslateSettings = /* document.write */ window.gtranslateSettings || {};window.gtranslateSettings['51626327'] = {"default_language":"en","languages":["en","es"],"url_structure":"sub_directory","wrapper_selector":"#gt-wrapper-51626327","horizontal_position":"right","vertical_position":"top","flags_location":"\/wp-content\/plugins\/gtranslate\/flags\/"};
</script><script src="https://www.nfcc.org/wp-content/plugins/gtranslate/js/ln.js?ver=6.6" data-no-optimize="1" data-no-minify="1" data-gt-orig-url="/" data-gt-orig-domain="www.nfcc.org" data-gt-widget-id="51626327" defer></script><script>
gform.initializeOnLoaded( function() { jQuery(document).on('gform_post_render', function(event, formId, currentPage){if(formId == 1) {gf_global["number_formats"][1] = {"1":{"price":false,"value":false},"3":{"price":false,"value":false},"4":{"price":false,"value":false},"5":{"price":false,"value":false},"6":{"price":false,"value":false},"11":{"price":false,"value":false},"7":{"price":false,"value":false},"8":{"price":false,"value":false},"9":{"price":false,"value":false},"10":{"price":false,"value":false},"12":{"price":false,"value":false},"13":{"price":false,"value":false}};if(window['jQuery']){if(!window['gf_form_conditional_logic'])window['gf_form_conditional_logic'] = new Array();window['gf_form_conditional_logic'][1] = { logic: { 0: {"field":{"enabled":true,"actionType":"hide","logicType":"any","rules":[{"fieldId":"6","operator":"is","value":"(000) 000-0000"},{"fieldId":"6","operator":"is","value":"(111) 111-1111"},{"fieldId":"6","operator":"is","value":"(222) 222-2222"},{"fieldId":"6","operator":"contains","value":") 555"},{"fieldId":"6","operator":"is","value":"(333) 333-3333"},{"fieldId":"6","operator":"is","value":"(444) 444-4444"},{"fieldId":"6","operator":"is","value":"(555) 555-5555"},{"fieldId":"6","operator":"is","value":"(666) 666-6666"},{"fieldId":"6","operator":"is","value":"(777) 777-7777"},{"fieldId":"6","operator":"is","value":"(888) 888-8888"},{"fieldId":"6","operator":"is","value":"(999) 999-9999"}]},"section":null} }, dependents: { 0: [0] }, animation: 0, defaults: {"3":{"3.2":"","3.3":"","3.4":"","3.6":"","3.8":""},"4":{"4.1":"","4.2":"","4.3":"","4.4":"","4.5":"","4.6":"United States"},"9":"none"}, fields: {"1":[0],"3":[0],"4":[0],"5":[0],"6":[0],"11":[0],"7":[0],"8":[0],"9":[0],"10":[0],"12":[0],"13":[0]} }; if(!window['gf_number_format'])window['gf_number_format'] = 'decimal_dot';jQuery(document).ready(function(){window['gformInitPriceFields']();gf_apply_rules(1, [0], true);jQuery('#gform_wrapper_1').show();jQuery(document).trigger('gform_post_conditional_logic', [1, null, true]);} );} if(typeof Placeholders != 'undefined'){
                        Placeholders.enable();
                    }jQuery('#input_1_6').mask('(999) 999-9999').bind('keypress', function(e){if(e.which == 13){jQuery(this).blur();} } );} } );jQuery(document).bind('gform_post_conditional_logic', function(event, formId, fields, isInit){} ) } );
</script>
<script>
gform.initializeOnLoaded( function() { jQuery(document).trigger('gform_post_render', [1, 1]) } );
</script>
<script>
gform.initializeOnLoaded( function() { jQuery(document).on('gform_post_render', function(event, formId, currentPage){if(formId == 11) {gf_global["number_formats"][11] = {"1":{"price":false,"value":false},"10":{"price":false,"value":false},"11":{"price":false,"value":false}};if(window['jQuery']){if(!window['gf_form_conditional_logic'])window['gf_form_conditional_logic'] = new Array();window['gf_form_conditional_logic'][11] = { logic: { 0: {"field":"","section":null} }, dependents: { 0: [0] }, animation: 0, defaults: [], fields: {"1":[0],"10":[0],"11":[0]} }; if(!window['gf_number_format'])window['gf_number_format'] = 'decimal_dot';jQuery(document).ready(function(){window['gformInitPriceFields']();gf_apply_rules(11, [0], true);jQuery('#gform_wrapper_11').show();jQuery(document).trigger('gform_post_conditional_logic', [11, null, true]);} );} if(typeof Placeholders != 'undefined'){
                        Placeholders.enable();
                    }} } );jQuery(document).bind('gform_post_conditional_logic', function(event, formId, fields, isInit){} ) } );
</script>
<script>
gform.initializeOnLoaded( function() { jQuery(document).trigger('gform_post_render', [11, 1]) } );
</script>
</body>

</html>
                               

Whois info of domain

Domain Name: NFCC.COM
Registry Domain ID: 19537119_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Updated Date: 2024-04-02T16:34:24Z
Creation Date: 2000-02-10T01:30:46Z
Registry Expiry Date: 2026-04-02T03:59:59Z
Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email: [email protected]
Registrar Abuse Contact Phone: 480-624-2505
Domain Status: clientDeleteProhibited https://icann.org/epp#clientDeleteProhibited
Domain Status: clientRenewProhibited https://icann.org/epp#clientRenewProhibited
Domain Status: clientTransferProhibited https://icann.org/epp#clientTransferProhibited
Domain Status: clientUpdateProhibited https://icann.org/epp#clientUpdateProhibited
Name Server: NS29.DOMAINCONTROL.COM
Name Server: NS30.DOMAINCONTROL.COM
DNSSEC: unsigned
URL of the ICANN Whois Inaccuracy Complaint Form: https://www.icann.org/wicf/
>>> Last update of whois database: 2025-05-07T02:54:27Z <<<
For more information on Whois status codes, please visit https://icann.org/epp
NOTICE: The expiration date displayed in this record is the date the
TERMS OF USE: You are not authorized to access or query our Whois
by the following terms of use: You agree that you may use this Data only
to: (1) allow, enable, or otherwise support the transmission of mass