Money Management International

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.

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

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

• Credit counseling services
• Debt management plans
• Financial education programs
• Housing counseling
• Bankruptcy counseling

Headquarters

HQ city

Sugar Land

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Core 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.

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• USAA Educational FoundationcoreStrategic or Co-development PartnerPartnership focused on veteran and military family financial education and counseling services.
• Housing and Credit Counseling Inc. (HCCI)coreStrategic or Co-development PartnerStrategic merger with HCCI to expand counseling services and geographic reach, particularly in housing-related financial counseling.
• TROUTWOODminorGTM or Marketing PartnerPartnership for Athlete $martPlay program, providing financial education content for professional athletes.
• Fortress Legal PlanminorStrategic or Co-development PartnerPartnership providing Debt Resolution Program (DRP) legal support services for clients.
• Financial Health NetworkminorStrategic or Co-development PartnerResearch partnership focused on financial health studies and improving client outcomes through evidence-based practices.
• NFCCcoreOthersMember organization of the National Foundation for Credit Counseling, adhering to accreditation standards.
• HUDcoreOthersHUD-certified counseling agency providing housing counseling services.

Recent moves6 records

Expansion highlights6 records

Direct 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

• Xx.com/moneymanagement
• YouTubeyoutube.com/user/MoneyManagementInt
• Facebookfacebook.com/moneymanagementint
• LinkedInlinkedin.com/company/moneymanagementinternational
• Instagraminstagram.com/moneymanagementint

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Money Management International