Money Management International
Money Management International is a 501(c)(3) nonprofit credit counseling agency providing Debt Management Plans, Debt Resolution, HUD-certified housing counseling, bankruptcy counseling, and financial education to consumers across all 50 U.S. states, with grant-supported programs for military families, disaster survivors, and NIL athletes.
- Company typePrivate
- Founded1958
- HeadquartersSugar Land, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Money Management International does
Money Management International, Inc. (MMI) is a Texas-based 501(c)(3) nonprofit and, by its own description, the nation's largest full-service credit counseling organization. Founded in 1958 and headquartered in Sugar Land/Stafford, Texas, MMI serves consumers across all 50 U.S. states with a comprehensive suite of financial counseling, debt management, housing, and financial education services. Its core product set centers on two debt relief programs: the Debt Management Plan (DMP), a structured creditor-negotiated repayment program targeting ongoing high-interest debt, and the Debt Resolution Plan (DRP), launched June 2025 to serve clients with charged-off or collection debts through negotiated settlements with legal support from Fortress Legal Plan. Specialty services include HUD-certified housing counseling (foreclosure prevention, homebuyer education, reverse mortgage counseling), EOUST-approved bankruptcy counseling, disaster recovery counseling (Project Porchlight), student loan counseling, and eviction counseling.
The organization operates a multi-channel service model — online counseling, telephone support, in-person workshops, Spanish-language services, and B2B employer partnerships — supported by a leadership team including a CTO, COO, CFO, CCO/General Counsel, and dedicated VPs for Debt Resolution, Business Development, Customer Success, and Marketing. MMI holds HUD housing counseling certification, EOUST bankruptcy approvals, COA accreditation, NFCC and FCAA memberships, NMLS registration (#897900), and nine state-level debt management/banking licenses, collectively forming a substantial regulatory moat. Sub-brands include Military Reconnect (since 2012), Project Porchlight (disaster recovery), and Athlete $martPlay (NIL student-athletes, launched 2024 with TROUTWOOD).
MMI generates revenue primarily through fair-share contributions from participating creditors (up to 15% of DMP payments processed), program fees, B2B Organizational Financial Wellness contracts (starting at $5,000 annually), and grants from institutional partners such as JPMorgan Chase (Operation Onward, 2024) and the American Red Cross ($1.9M California wildfire recovery grant, 2025-2027). Following its December 2025 merger with Housing and Credit Counseling, Inc. (HCCI), MMI has expanded housing counseling depth and regional reach. The organization also publishes the Consumer Distress Dashboard (2025 Anthem Award winner for Best Use of Data) and periodic financial distress reports, building a data-asset layer over its client base.
Money Management International firmographics
Firmographics- Name
- Money Management International
- Legal name
- Money Management International, Inc.
- Website
- https://moneymanagement.org
- Company type
- Private
- Founded year
- 1958
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Money Management International is a 501(c)(3) nonprofit credit counseling agency providing Debt Management Plans, Debt Resolution, HUD-certified housing counseling, bankruptcy counseling, and financial education to consumers across all 50 U.S. states, with grant-supported programs for military families, disaster survivors, and NIL athletes.
- Ownership category
- akta.pro rank
Money Management International industry classification
Industry- Product category
- Credit Counseling and Debt Management Services
- NAICS
- Pension Funds (52511), Health and Welfare Funds (52512), Credit Card Issuing (522210)
- SIC
- Finance Services (6199), Personal Credit Institutions (6141)
- akta.pro primary industry
- Debt Management Plans (DMP) Administration (FSAEAFAB)
- akta.pro secondary industries
- Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Budgeting & Cash-Flow Management (FSAGADAA)
Keywords
Where Money Management International is headquartered
LocationHeadquarters
- HQ city
- Sugar Land
- HQ country
- United States
- HQ region
- North America
Markets served
Money Management International business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Money Management International product offering
Product offeringCore offering
Money Management International is a nonprofit credit counseling agency that provides free credit counseling, structured Debt Management Plans (DMP), nonprofit Debt Resolution Plans (DRP), bankruptcy counseling, housing counseling, and a full suite of financial education programs to individual consumers nationwide. It also delivers Organizational Financial Wellness programs and Personalized Learning Programs to employers, financial institutions, and partner organizations on a B2B basis.
Product overview
Money Management International (MMI) offers a comprehensive nonprofit financial counseling and debt management platform. The core offerings center on two debt relief programs: the Debt Management Plan (DMP) for managing ongoing debt through creditor-negotiated reduced interest rates and single monthly payments, and the Debt Resolution Plan (DRP) for charged-off or delinquent debts requiring negotiated settlements. These core programs are supported by specialty counseling services including bankruptcy counseling (EOUST-approved), disaster recovery counseling (Project Porchlight), foreclosure prevention, homebuyer counseling, reverse mortgage counseling, student loan counseling, and eviction counseling. MMI also provides extensive financial education through workshops, webinars, online courses, budget guides, and podcasts. Specialized programs target military families (Military Reconnect) and student-athletes (Athlete $martPlay). B2B offerings include Organizational Financial Wellness partnerships, Personalized Learning Programs (PLP), Housing Counseling Partnerships, and Debt Management Partnerships. The organization operates digital channels including online counseling platforms, SMS messaging, and a Consumer Distress Dashboard providing real-time financial health data.
Differentiator
Problem solved
Functional benefit
Brands
- Military Reconnect: A program specifically designed for military service members, veterans, and their families to help navigate the transition to civilian life and achieve financial stability.
- Project Porchlight
- Athlete $martPlay
Products and services
- Debt Management Plan (DMP) A structured debt repayment program where MMI works with creditors to reduce interest rates and establish a single affordable monthly payment, typically completing within five years or less. Designed for consumers with active unsecured debt seeking a faster, nonprofit alternative.
- Debt Resolution Plan (DRP) A nonprofit alternative to debt settlement for clients with charged-off, delinquent, or collection debts. MMI negotiates partial repayment settlements with creditors, with legal support available through Fortress Legal Plan. Initially available in 30 states and Washington D.C.
- Credit Counseling One-on-one budgeting and financial coaching with certified counselors providing personalized recommendations, budget reviews, and credit health improvement plans. Free service for individual consumers.
- Bankruptcy Counseling Required pre-filing and pre-discharge counseling and certificates for bankruptcy completion. Approved by the Executive Office for United States Trustees (EOUST).
- Disaster Recovery Counseling Post-disaster financial recovery counseling and support for survivors of natural disasters. Includes Project Porchlight initiative providing personalized recovery plans, FEMA assistance navigation, and insurance claim support.
- Foreclosure Prevention Counseling HUD-approved foreclosure mitigation and intervention assistance for homeowners concerned about mortgage default. Provides options review and workout plans.
- Homebuyer Counseling HUD-certified pre-purchase housing counseling that fulfills requirements of first-time homebuyer mortgage programs. Includes online homebuyer education courses.
- Reverse Mortgage Counseling Required education for Home Equity Conversion Mortgage (HECM) borrowers, approved by HUD, covering reverse mortgage terms and implications.
- Student Loan Counseling In-depth student loan analysis and action plan for rehabilitation and repayment options, helping borrowers navigate various repayment programs.
- Eviction Counseling Direct support for renters concerned about eviction. HUD-certified counselors review finances, discuss options, and assist with landlord communication and rental assistance programs.
- Financial Education Workshops In-person financial seminars covering specialized topics such as budgeting, debt management, credit building, and homeownership preparation.
- Financial Webinars Online educational sessions covering various financial topics, available to clients and the general public.
- Online Homebuyer Courses HUD-approved online courses fulfilling first-time homebuyer education requirements for mortgage programs.
- Military Reconnect Financial wellness program specifically designed for military service members, veterans, and their families. Provides free in-person information, online learning communities, and counseling resources.
- Athlete $martPlay Free financial education initiative for NIL (Name, Image, and Likeness) student-athletes and their families, developed in partnership with TROUTWOOD to address unique financial challenges of early earnings.
- Organizational Financial Wellness Customizable employee financial wellness program providing education, counseling, and debt management services to organizations. Includes personalized financial counseling, DMP access, webinars, and branded content. Plans start at $5,000 annually.
- Personalized Learning Programs (PLP) Customizable online learning tool providing financial education courses on topics from budgeting to saving for college. Includes assessments and progress reports. Available through B2B partnerships.
- Online Counseling Platform Digital platform enabling clients to complete financial reviews online, chat or email with counselors, and receive personalized savings recommendations based on their needs.
Companies that use Money Management International
Customer profileIdeal customer profiles5 records
Money Management International technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Money Management International partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- USAA Educational FoundationcorePartnership focused on veteran and military family financial education and counseling services.
- Housing and Credit Counseling Inc. (HCCI)coreStrategic merger with HCCI to expand counseling services and geographic reach, particularly in housing-related financial counseling.
- TROUTWOODminorPartnership for Athlete $martPlay program, providing financial education content for professional athletes.
- Fortress Legal PlanminorPartnership providing Debt Resolution Program (DRP) legal support services for clients.
- Financial Health NetworkminorResearch partnership focused on financial health studies and improving client outcomes through evidence-based practices.
- NFCCcoreMember organization of the National Foundation for Credit Counseling, adhering to accreditation standards.
- HUDcoreHUD-certified counseling agency providing housing counseling services.
Recent moves6 records
Expansion highlights6 records
Money Management International competitors and assessment
Company assessmentDirect peers
- GreenPath Financial Wellness: Nonprofit credit counseling agency offering DMP, housing counseling, bankruptcy counseling, and financial education. Operates nationally with similar HUD certifications and NFCC membership, making it MMI's closest nonprofit competitor.
- InCharge Debt Solutions: Nonprofit credit counseling and debt management organization providing DMP, housing counseling, and financial education services across the U.S. Directly comparable in mission, product set, and NFCC-affiliated nonprofit structure.
- Take Charge America: Nonprofit credit counseling agency headquartered in Arizona providing DMP, debt consolidation, student loan counseling, and financial education. Similar HUD-certified housing counseling capabilities and direct MMI competitor.
- MoneyFit by DRS: Nonprofit credit counseling division of Debt Resolution Services, providing DMP, housing counseling, and financial education in the Pacific Northwest and nationally. Comparable scale and service mix to MMI.
- Clearpoint Credit Counseling Solutions: Nonprofit credit counseling agency (formerly Consumer Credit Counseling Service) offering DMP, housing counseling, and student loan counseling nationwide with HUD certification. Direct peer in the nonprofit credit counseling category.
- Consolidated Credit: Nonprofit credit counseling organization providing DMP, housing counseling, debt consolidation, and financial education services nationally. Directly comparable to MMI in service offering and target customer segments.
- Navicore Solutions: Nonprofit financial counseling agency offering credit counseling, DMP, housing counseling, and student loan counseling. HUD-certified and NFCC member, providing comparable services to MMI primarily in the Northeast and nationally.
- Cambridge Credit Counseling: Nonprofit credit counseling agency offering DMP, debt management, and financial education services nationally. Comparable nonprofit model and direct competitor in the credit counseling category.
- Credit.org: Nonprofit credit counseling organization (formerly Springboard Nonprofit Consumer Credit Management) providing DMP, housing counseling, bankruptcy counseling, and financial wellness programs. Direct peer serving overlapping customer segments as MMI.
Broad incumbents
- Freedom Debt Relief: Largest for-profit debt settlement company in the U.S., serving customers with similar distressed debt profiles as MMI's DRP target market. Represents the for-profit alternative to MMI's nonprofit debt resolution offering, illustrating the competitive landscape MMI's DRP is entering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Money Management International social profiles
Digital presenceMoney Management International compliance and trust
Trust signalCompliance8 records
Money Management International financial estimates
Financial estimateRevenue estimate
Valuation estimate
Money Management International leadership team
Management profileNumber of profiles
Profiles15 records
Money Management International subsidiaries and ownership
Company hierarchySubsidiaries1 record
Money Management International funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Money Management International M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Money Management International
What does Money Management International do?
Money Management International is a nonprofit credit counseling agency that provides free credit counseling, structured Debt Management Plans (DMP), nonprofit Debt Resolution Plans (DRP), bankruptcy counseling, housing counseling, and a full suite of financial education programs to individual consumers nationwide. It also delivers Organizational Financial Wellness programs and Personalized Learning Programs to employers, financial institutions, and partner organizations on a B2B basis.
Is Money Management International a public or private company?
Money Management International is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Money Management International founded?
Money Management International was founded in 1958. It employs 251 to 500 people.
Where is Money Management International based?
Money Management International is headquartered in Sugar Land, United States, in the North America region.
Who are Money Management International's main competitors?
Direct peers on record are GreenPath Financial Wellness, InCharge Debt Solutions, Take Charge America, MoneyFit by DRS, Clearpoint Credit Counseling Solutions, Consolidated Credit, Navicore Solutions, Cambridge Credit Counseling and Credit.org. Freedom Debt Relief is listed as a broad incumbent.
Does Money Management International have an API?
No public API is recorded for Money Management International.
What industry is Money Management International in?
Money Management International's product category is Credit Counseling and Debt Management Services. Its primary akta.pro industry code is FSAEAFAB, Debt Management Plans (DMP) Administration, with a secondary code of FSAKAJAH, Credit Counseling & Debt Management Plans (DMP). Its NAICS code is 52511 and its SIC code is 6199.