National Foundation for Credit Counseling (NFCC)

There’s a difference between being behind on payments and being at risk of falling behind. Recognizing the early warning signs, like relying on credit to cover essentials or missing due dates, can help you take action before things escalate. Do you know the signs to look for?

If you’re feeling overwhelmed by debt, you’re not alone, and there are options available. Starting with a clear understanding of your income, expenses, and balances can help you take the first step forward. Are you ready to take that first step? We're here when you are!

To the moms, the mother figures, and the ones who show up in ways big and small, Happy Mother’s Day. 💐 #NFCC #MothersDay

Not all debt relief offers are what they seem. Be cautious of companies that promise to eliminate debt quickly, ask for large upfront fees, or pressure you to act immediately. Taking time to understand your options can help you avoid costly mistakes. #debtrelief #financialscam

Minimum payments can keep your account in good standing, but they often extend the life of your debt and increase the total cost over time. If you’re only paying the minimum each month, it may be time to explore strategies to pay down balances more efficiently.

Financial stress affects more than just your bank account. For many households, debt can create anxiety, disrupt sleep, and make it harder to focus on everyday responsibilities. Taking the first step toward addressing debt can help restore both financial and emotional stability!

A budget is more than a list of numbers. It is a tool that helps consumers better understand spending patterns and plan for future financial goals. Regularly reviewing income and expenses can provide greater financial clarity and help support stronger decision making over time.

Spring cleaning isn’t just for your home, it’s a great time to reset your finances, too. Small changes now can lead to stronger financial habits year-round. Looking for guidance? Connect with NFCC to find trusted credit counseling near you: nfcc.org

Synchrony has announced a $2 million commitment to the Empowering Financial Futures program, and we’re proud to be a nonprofit partner in this important work. Thanks to them for all they do. @synchrony

How much of your available credit you’re using—known as credit utilization—can play a major role in your credit score. High credit card balances can lower your score and make borrowing more expensive over time. Managing balances and keeping utilization low can help. #NFCC

Financial stress affects more than just your bank account. For many households, debt can create anxiety, disrupt sleep, and make it harder to focus on everyday responsibilities. Taking the first step toward addressing debt can help restore both financial and emotional stability!

A single late payment can stay on your credit report for years and may impact your credit score, borrowing options, and interest rates.

Debt affects more than just your budget — it affects your peace of mind. If you’re feeling the pressure, NFCC nonprofit counselors can help you find clarity and relief. Reach out to us today. 📲

Connecting with an NFCC Certified Credit Counselor can help you evaluate your situation and develop a plan that works for your budget. Give us a call today: 800-388-2227

Your credit can impact your insurance rates. Bruce McClary explains credit-based insurance scores in @WSJ Buy Side. wsj.com/buyside/person… #PersonalFinance

When debt is sent to collections it can feel overwhelming. Understanding how the process works can help you take the next step confidently. From knowing your rights to exploring repayment options, taking action early can help reduce stress and prevent further financial damage.

NFCC’s Bruce McClary is featured on the cover of the American Banking Journal discussing today’s credit landscape and the importance of financial education. Read the article: bankingjournal.aba.com/2026/03/unders… @ABABankers @BankingJournal @brucemcclary

A tax refund can be a valuable financial tool. Making intentional choices now may help support greater stability down the road. What do you plan on doing with your tax refund this year? #taxrefund #finances #nfcc #debt #money

Regular financial check-ins can make a big difference. Taking a moment to review your spending, savings, and debts helps you stay in control and reduces stress over time. What’s one financial habit you want to improve in 2026?

Owing taxes while juggling existing debt can create real financial pressure. It’s important to understand how tax obligations fit into your overall financial picture before making decisions that could cause additional strain. Need help? Give us a call today.