Financial Counseling OnTrack Financial Education and Counseling

Debt Management Program

Credit card payments overwhelming?

  • Are you struggling to make your credit card payments each month?
  • Are the monthly late fees and high interest just adding to your debt?
  • Then OnTrack’s Debt Management Program could be a solution for you.

To fill out the online worksheet for our Debt Management Program, click here.

Financial Counseling Session: FREE

We’ll start with a free assessment to make sure that a Debt Management Plan (DMP) is a realistic solution to your financial problems. Once you and your certified counselor review your income, living expenses, and debts, you'll have a good idea if the DMP will work for you.

If you decide to enroll in the DMP there is a One-Time Set up Fee: $35.00 and Monthly Maintenance Fees of 10% of total monthly payment, not to exceed $25.00.

Our Debt Management Program helps clients get back on track with unsecured debt payments, such as credit cards, unsecured lines of credit, and personal loans.  Through the Debt Management Program, many creditors offer a lower interest rate, payment reductions, and waived/reduced late fees. 

The program is ideal for individuals who have been late on their payments, but with a change in income and with careful budgeting of expenses will be able to manage the DMP payment. Many clients appreciate having to make just one monthly payment for their unsecured debts and find it is easier to incorporate this predictable payment into their budget. After several months of your regular, on-time DMP payments, many creditors offer concessions such as discontinuing late fees and reducing the interest rate. Also timely, consistent payments through the DMP can help you begin to rebuild your credit.

For a full explanation of our Debt Management Program, click here.

To complete the client information for our Debt Management Program online, click here. A counselor will respond to your online inquiry via email.

Call our office at 255-5166 or 1-800-737-5485 to schedule an in-person or telephone appointment with one of our certified financial counselors.

Privacy Notice

Rebecca Vann and family

"I started the Debt Management Plan with $25,000 in debt and 6 cards. I would have never paid that off without the help of OnTrack's program and the tools of budgeting they taught me."

- Brenda Mills, Successful Completion of Debt Management Program

United Way NFCC Council on Accreditation