NACCC

What NACCC does

NACCC – National Association of Certified Credit Counselors is a private non-profit professional certification organization headquartered in Indialantic, Florida, with a satellite office in Houston, Texas. Founded in 1999 and operating continuously since 2001, NACCC trains, certifies, and recertifies financial counseling professionals across multiple specializations including credit counseling, financial health counseling, student loan counseling, housing counseling, and financial and career coaching. Its core products are a portfolio of certification programs (Credit Counselor, Financial Health Counselor, Financial Counselor, Student Loan Counselor, Housing Counselor, Financial and Career Coach, and Certified Financial Capability Practitioner), backed by a recurring continuing education unit (CEU) requirement of 16 hours every two years.

The underlying technology is a cloud-based learning management system built on the TalentLMS platform, delivering instructor-led online courses with audio lectures, review slides, practice questions, discussion boards, and mobile access. Certification examinations are administered remotely via webcam proctoring or at university/community college proctoring sites, with psychometric monitoring by industrial/organizational psychologists to ensure content validity. Curriculum content is anchored in the proprietary "Keys to Success" manual developed in collaboration with universities, lawyers, and financial health professionals.

Revenue mechanics combine one-time certification enrollment fees (e.g., PAYGO plan at four $180 installments totaling $720), individually-priced CEU courses required for biennial renewal, $50 webcam proctoring fees, and conference/event registration. Go-to-market is a hybrid of self-serve online enrollment through the TalentLMS portal, instructor-supported self-paced study, in-person review seminars (Texas Two-Day Live, Beyond Basics! annual conference), and partnership-driven events with Florida Prosperity Partnership and the Society of Financial and Career Consulting Professionals. NACCC is approved by the Cities for Financial Empowerment (CFE) Fund as a Financial Empowerment Center training provider, giving it credentialing relevance for federally-supported financial counseling programs. The organization serves a long tail of individual counselors and small nonprofits across the United States, with named long-tenured clients including American Credit Foundation (16+ year relationship) and Riverworks Financial Clinic Milwaukee.

Name

NACCC

Legal name

National Association of Certified Credit Counselors

Website

https://fcnonline.org

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

NACCC is a US-based non-profit professional certification organization that trains, certifies, and recertifies credit, financial, housing, student loan, and career counselors through online instructor-led courses, proctored exams, and recurring continuing education, serving individual counselors and small nonprofits nationwide since 2001.

Ownership category

akta.pro rank

Product category

Professional Certification and Continuing Education

NAICS

Professional and Management Development Training (611430), Educational Support Services (611710), Colleges, Universities, and Professional Schools (61131)

SIC

Services-Membership Organizations (8600), Services-Educational Services (8200)

akta.pro primary industry

Finance, Accounting & Risk (CFA/CPA/FRM) Certifications (EDAAANAD)

Keywords

• Credit counseling certification
• Financial counselor training
• Continuing education units
• Debt management counseling
• Financial coaching programs

Headquarters

HQ city

Indialantic

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Certification Programs: Revenue from certification enrollment fees for Credit Counselor, Financial Health Counselor, Financial Counselor, Student Loan Counselor, Housing Counselor, Financial and Career Coach, and Certified Financial Capability Practitioner programs. Courses delivered via TalentLMS platform with instructor support.
2. Continuing Education Courses: CEU courses for certification renewal including Bankruptcy Counseling Specialist (16 credit hours), Credit Report Specialist, Customer Service Specialist (8 credit hours), Student Loan Counseling Specialist, Financial Educator, Housing, and Senior Credit Counselor courses.
3. Exam Proctoring Services: Webcam proctoring service fee of $50 per exam administration for certification examinations.
4. Conference and Event Registration: Revenue from event registrations including the annual Beyond Basics! conference (September 14-18, 2024), Texas Two-Day Live Keys to Success Exam Review, and joint conferences with Florida Prosperity Partnership and Society of Financial and Career Consulting Professionals.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

NACCC provides professional certification programs and continuing education for credit counselors, financial health counselors, student loan counselors, housing counselors, and financial/career coaches. Its offerings are delivered through an instructor-led online learning management system (TalentLMS), supported by webcam-proctored examinations and a shared Keys to Success foundational curriculum. Certifications require periodic renewal through continuing education units every two years.

Product overview

NACCC is a certification and continuing education organization offering a multi-tiered certification portfolio centered on financial counseling, coaching, and capability building. The core offerings include Credit Counselor Certification, Financial Health Counselor Certification, and Financial Counselor Certification programs, each built on shared Keys to Success foundational curriculum. Specialized certifications extend into Student Loan Counseling, Housing Counseling, and Financial and Career Coaching. The portfolio is delivered through an instructor-led online learning management system (TalentLMS) with webcam proctoring for exams, and supplemented by continuing education courses including Bankruptcy Counseling Specialist, Credit Report Specialist, Customer Service Specialist, Student Loan Counseling Specialist, Financial Educator, Housing, and Senior Credit Counselor specializations. All certifications require periodic renewal through continuing education units (CEUs), typically 16 hours every two years.

Differentiator

Problem solved

Functional benefit

Brands

• NACCC Certification Programs: Professional certification for credit counselors, financial health counselors, student loan counselors, housing counselors, and financial coaches
• NACCC PAYGO
• Keys to Success
• Beyond Basics!
• Texas Two-Day Live Keys to Success Exam Review

Products and services

• Credit Counselor Certification Program Primary certification program training credit counselors to assist debtors through education, spending plans, and debt management. Covers credit basics, credit reports, credit scoring, debt collection, and ethics.
• Financial Health Counselor Certification Program Certification program focusing on holistic financial health including savings, retirement planning, coaching basics, motivational interviewing, and self-reflection for client financial wellness.
• Financial Counselor Certification Program Certification program covering a broad range of financial counseling subjects for professionals working with clients on comprehensive financial planning.
• Student Loan Counselor Certification Program Specialized certification for counselors focusing on student loan legislation, student loan management, and student loan counseling strategies.
• Housing Counselor Certification Program Certification program for counselors assisting clients with housing decisions, homebuying process, foreclosure prevention, and housing affordability.
• Financial and Career Coach Certification Program Advanced certification merging financial coaching and career coaching to help clients with personal finance, bill management, credit counseling, retirement, job searching, and skill building. Prerequisites required.
• Certified Financial Capability Practitioner Program Certification program for practitioners focused on building financial capability and empowerment for diverse populations.
• Bankruptcy Counseling Specialist CEU Course 16 credit hour continuing education course covering bankruptcy counseling, available options, and alternatives to bankruptcy for client empowerment.
• Credit Report Specialist CEU Course Continuing education course teaching how to acquire, interpret, and dispute credit reports, plus strategies for improving credit scores.
• Customer Service Specialist CEU Course 8 credit hour continuing education course teaching customer service essentials, communication skills, and strategies for financial counselors.
• Student Loan Counseling Specialist CEU Course Continuing education course on student loan legislation, management, and counseling techniques.
• Financial Educator CEU Course Continuing education course teaching how to present financial knowledge to groups, improve event attendance, and deliver effective financial content.
• Housing CEU Course Continuing education course on homebuying process, foreclosure avoidance, and housing affordability assistance.
• Senior Credit Counselor CEU Course Advanced continuing education for experienced credit counselors to improve skills, develop new methods, and learn new terminology.
• Beyond Basics! Annual Conference Annual five-day advanced curriculum conference combining certification, professional development, and 16 CEUs through workshops, keynote speeches, and panel discussions on advanced financial topics.
• Texas Two-Day Live Keys to Success Exam Review Onsite intensive two-day exam preparation event for NACCC certification candidates, led by the Director of Training.

Quantifiable outcome

• 15% projected job growth in credit counseling field (2014-2024)
• +1 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

14 partnerships are on record, tiered flagship, core and minor.

• CFE Fund (Cities for Financial Empowerment)flagshipStrategic or Co-development Partner · 16 August 2018NACCC approved by CFE Fund to provide Financial Empowerment Center training, meeting required competencies including Context of Poverty, Financial Content, Counseling Skills, and Experiential Learning. NACCC included in list of approved training providers for FEC Public grantees nationwide.
• Florida Prosperity Partnership (FPP)coreStrategic or Co-development PartnerAnnual joint conference hosting at Loews Royal Pacific Resort in Orlando, Florida. Co-branded events combining NACCC Comprehensive Review with FPP's 10th Annual Conference, allowing attendees to earn CEU credits across multiple events.
• Society of Financial and Career Consulting Professionals (SFCCP)coreStrategic or Co-development PartnerNACCC sponsored inauguration of SFCCP at inaugural conference in West Palm Beach, Florida. Joint conference activities include professional development, CEU credits, and automatic first-year membership for conference attendees.
• National Disability InstitutecoreStrategic or Co-development PartnerJoint webinar presentation on credit scores and employment opportunities for people with disabilities. Speaker Chris Rodriguez from NDI presents on ABLE accounts for disabled individuals at SFCCP conferences.
• Prosperity NowcoreStrategic or Co-development PartnerPartnership for beta-testing of Prosperity Now's Financial Coaching Program Design Guide with support from JPMorgan Chase. Speaker Hiba Haroon presents on implementing financial coaching programs at NACCC conferences.
• Workforce and Financial Stability Network of Westside BaltimoreminorChannel Partner/ Reseller/ DistributorPartner organization utilizing NACCC services for credit counselor certification and training, with testimonial endorsement of NACCC's comprehensive curriculum.
• WINGS Financial EducationminorChannel Partner/ Reseller/ DistributorAffiliate review seminar provider offering in-person preparation courses for NACCC certification examinations.
• WSBminorOthersPartner organization logo displayed in NACCC's partner section, nature of partnership not explicitly defined in source material.
• GoodwillminorOthersPartner organization logo displayed in NACCC's partner section, indicating collaborative relationship in financial counseling community.
• VA (U.S. Department of Veterans Affairs)minorOthersPartner organization logo displayed in NACCC's partner section supporting veterans' financial counseling services.
• CengageminorOthersEducational publisher partner logo displayed in NACCC's partner section, possibly providing educational materials for certification courses.
• TRIO ProgramsminorOthersFederal TRIO programs partner logo displayed in NACCC's partner section, supporting first-generation college students' financial education.
• United WayminorOthersPartner organization logo displayed in NACCC's partner section, indicating collaborative community support efforts.
• Consumer Credit (CC)minorOthersPartner organization logo displayed in NACCC's partner section, nature of partnership not explicitly defined.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Ramsey Solutions - Financial Coach Master Training: Operates a flagship Financial Coach Master Training program that certifies financial coaches nationwide. Comparable in target persona, certification-driven business model, and ongoing CE/community requirements.
• IARFC (International Association of Registered Financial Consultants): Professional association offering the RFC (Registered Financial Consultant) credential with continuing education requirements. Comparable certification-and-CEU business model targeting financial practitioners.
• AFCPE (Association for Financial Counseling and Planning Education): National nonprofit that certifies financial counselors, coaches, and educators through the AFC and FinCert programs. Directly comparable to NACCC in mission, target persona (financial counselors), and recurring CEU-driven revenue model.

Broad incumbents

• GreenPath Financial Wellness: Large national credit counseling agency that operates its own counselor training and certification pathway. Adjacent rather than identical to NACCC, but competes for the same employer/agency training budgets.
• Cambridge Credit Counseling Corp. National credit counseling agency offering debt management, housing, and student loan counseling with internal training programs. Comparable mission and target audience.
• NFCC (National Foundation for Credit Counseling): National membership organization of credit counseling agencies that also sets training/quality standards and runs its own counselor certification tracks for member agencies. Overlaps NACCC's mission and audience but operates agency network plus certification.
• InCharge Debt Solutions: Nonprofit credit counseling agency providing housing and bankruptcy counseling with in-house counselor certification. Comparable end mission (certified credit counseling) and audience (HUD-approved agencies).
• Money Management International (MMI): Major national credit counseling agency with internal counselor training programs, HUD-approved housing counseling, and bankruptcy counseling services. Competes indirectly with NACCC by training its own staff.

Emerging players

• Take Charge America: Nonprofit credit counseling and financial education provider with internal counselor training and student loan counseling focus. Comparable mission, smaller scale, and overlapping audience of certified counselors.
• Apprisen (formerly CCCS of Indianapolis): HUD-approved nonprofit credit counseling agency providing housing, bankruptcy, and student loan counseling with internal staff training. Comparable counselor-training function, narrower geographic footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/naccc_office
• Facebookfacebook.com/NationalAssociationofCertifiedCreditCounselors
• LinkedInlinkedin.com/company/nationalassociationofcertifiedcreditcounselors

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about NACCC