Best Nonprofit Debt Management Plans in 2026: 6 Agencies Compared

If you want the best nonprofit debt management plan (DMP) in 2026, start with an agency that is a member of the National Foundation for Credit Counseling (NFCC), shows its fees in writing, (learn more about best debt consolidation loans for bad credit in 2026) (learn more about 7 best personal loans for bad credit in 2026) (learn more about the 2026 insurance gap: 8 policies most canadians are missing (that cost them thousands)) and offers a free first session. Money Management International and GreenPath Financial Wellness are two of the most established options. A DMP can lower your interest rates and roll your credit card payments into one monthly payment, but results vary (learn more about retirement account comparison 2026: 401(k) vs ira vs roth ira vs sep — which is right for you?) (learn more about best student loan refinancing companies of 2026: 6 lenders ranked) and it is not right for everyone. We compared six agencies on accreditation, fees, transparency and support (learn more about 7 student loan forgiveness programs in 2026: are you eligible?). This guide is for anyone feeling stuck with card debt.

By the MoneySimple Editorial Team. Last updated October 16, 2026. We review this guide every quarter.

How We Ranked These Agencies

We looked at what matters most when you hand an agency your monthly payment.

Criteria	Weight	Why It Matters
Nonprofit status and accreditation	High	Signals oversight and counselor training.
Fee clarity	High	DMP fees are usually set by state rules, and you should see them upfront.
Counseling quality	High	A good counselor reviews your whole budget, not just sells a plan.
Creditor relationships	Medium	Established agencies usually have standing arrangements with major card issuers.
Access and support	Medium	Phone, online and in-person options help you stay on track.

Data sources: the CFPB, the Federal Trade Commission (FTC), the NFCC, and each agency's published fee information.

What Is a Debt Management Plan?

A DMP is a repayment program run by a credit counseling agency. You make one monthly payment to the agency, and it pays your creditors. The agency often negotiates lower interest rates and waived late fees. Most plans aim to pay off unsecured debt such as credit cards in about three to five years. You usually close the cards in the plan, and there are typically a small setup fee and a monthly fee.

1. Money Management International (MMI) — Best for Established Nonprofit Counseling

Best for: First-time DMP users who want a long-running nonprofit
Format: Phone, online and some in-person

MMI is one of the largest nonprofit credit counseling agencies in the U.S. and is an NFCC member. Its counselors start with a budget review and talk through options before suggesting a DMP.

Pros

• Long track record and NFCC membership
• Counseling is offered before any plan is proposed

Cons

• Fees apply if you enroll, and they vary by state
• Not every debt, such as most student loans, can go in a DMP

Who This Is Best For

A strong default for most people with credit card debt. It is less useful if your main debt is secured, like a car loan.

2. GreenPath Financial Wellness — Best for Broader Money Coaching

Best for: People who also want help with housing or budgeting
Format: Phone and online

GreenPath is a nonprofit and NFCC member that offers debt management plus counseling on housing, student loans and budgeting.

Pros

• Wider range of services than debt alone
• Nonprofit with a long history

Cons

• DMP monthly fees still apply
• Wait times for appointments can vary

Who This Is Best For

Pick it when debt is part of a bigger money picture. If you only need a quick rate drop, ask for the DMP fee schedule first.

3. Cambridge Credit Counseling — Best for Online-First Enrollment

Best for: People who prefer to handle things online
Format: Online and phone

Cambridge is a nonprofit credit counseling agency that offers DMPs and free budget counseling.

Pros

• Easy online enrollment
• Free initial counseling session

Cons

• Fees vary by state, so confirm yours in writing
• Some callers report sales-style follow-ups, so ask for a plain fee quote

Who This Is Best For

Good for confident self-starters. Skip it if you want in-person meetings.

4. Consolidated Credit — Best for Flexible Scheduling

Best for: Busy households needing extended support hours
Format: Phone and online

Consolidated Credit is a nonprofit that offers DMPs and financial education resources.

Pros

• Extended phone hours
• Education tools beyond the plan itself

Cons

• Verify current accreditation before signing
• Monthly fees apply

Who This Is Best For

A fit if your schedule is tight. Ask about NFCC status and how your fees are calculated.

5. Navicore Solutions — Best for Housing and Debt Together

Best for: Homeowners or renters balancing debt and housing costs
Format: Phone and online

Navicore Solutions is a nonprofit that offers DMPs and housing counseling.

Pros

• Combined debt and housing guidance
• Nonprofit structure

Cons

• Smaller than the largest agencies
• Fee schedules differ by state

Who This Is Best For

Useful if rent or a mortgage is part of the squeeze. Less useful if you want an app-first experience.

6. American Consumer Credit Counseling (ACCC) — Best for Personal Phone Support

Best for: People who want to talk to a counselor
Format: Phone and online

ACCC is a nonprofit that offers DMPs and budget counseling.

Pros

• Strong phone counseling focus
• Education resources and workshops

Cons

• Not all debt types qualify
• Confirm all fees before enrolling

Who This Is Best For

Good if you want a human guide. Not ideal if you want a fully automated plan.

Quick Comparison

Agency	Nonprofit	Counseling Offered	Best For
MMI	Yes	Phone, online	Established default
GreenPath	Yes	Phone, online	Broader coaching
Cambridge	Yes	Online, phone	Online enrollment
Consolidated Credit	Yes	Phone, online	Flexible hours
Navicore	Yes	Phone, online	Housing and debt
ACCC	Yes	Phone, online	Personal support

Always confirm current accreditation and your state's fee schedule directly with the agency, since both can change.

How We Researched This

We reviewed CFPB and FTC guidance on credit counseling and debt management plans, NFCC membership information, and each agency's published program details. We excluded for-profit debt settlement companies, which work differently and can hurt your credit more. Last updated October 16, 2026. We review this guide quarterly.

Frequently Asked Questions

What is a nonprofit debt management plan?

It is a repayment program run by a nonprofit credit counseling agency. You pay the agency once a month, and it pays your creditors, often at reduced interest rates.

How much does a DMP cost?

Agencies typically charge a small setup fee and a monthly fee. Amounts are often capped by state law, so ask for the fee schedule in writing.

Will a DMP hurt my credit score?

It may help over time as you pay on schedule, but closing cards can lower your score at first. Results vary.

How long does a DMP take?

Most plans are designed to finish in about three to five years.

What debts can I include?

Usually unsecured debt such as credit cards and some medical bills or personal loans. Most mortgages, auto loans and federal student loans are not included.

Is a DMP the same as debt settlement?

No. A DMP pays your debt in full, usually at lower interest. Settlement asks creditors to accept less and can seriously damage credit.

How do I spot a scam?

Be wary of upfront fees before services, guaranteed results, or pressure to stop talking to creditors. The FTC offers guidance on choosing a credit counselor.

Can I leave a DMP early?

Yes, but you may lose lowered rates, and your creditors can resume normal terms.

Ready for next steps? Read How to Get Out of Debt: The Complete Guide, compare debt consolidation loans for bad credit, see how debt settlement affects your credit score, or try the debt payoff apps.

Important Disclosures

This content is for informational purposes only and does not constitute financial advice. Fees, programs and creditor terms change and vary by state. Consult a licensed financial professional before making decisions. MoneySimple may receive compensation from partners featured on this page. This does not influence our rankings. Results vary.