Credit Advisors Foundation

What Credit Advisors Foundation does

Credit Advisors Foundation is a 501(c)(3) non-profit credit counseling agency founded in 1991 and headquartered at 1818 S. 72nd Street in Omaha, Nebraska. The organization provides consumer debt management, housing counseling, bankruptcy counseling, student loan counseling, and financial education services to individual consumers across 33 U.S. states plus the District of Columbia. Its flagship product is a Debt Management Plan (DMP) in which certified personal finance counselors consolidate a client's unsecured debts into a single monthly payment, negotiate reduced interest rates and payment terms with creditors, and handle all payment processing on the client's behalf. The organization markets the ability to reduce client payments by up to 50% and supports English, Spanish, Korean, and Thai speakers.

The underlying technology stack is intentionally minimal: services are delivered by human counselors via phone (1-866-966-7662), website contact forms, in-person sessions at three physical offices (Omaha NE, Scottsdale AZ, Council Bluffs IA), and virtual Zoom workshops. The organization has no mobile app, no public API, no proprietary platform, and no disclosed AI, machine learning, or automation capabilities. The business model is service-based, with revenue generated primarily through (a) recurring monthly DMP program fees, (b) HUD-approved housing counseling fees, and (c) student loan counseling fees. Initial credit counseling is offered free with no obligation, while specific DMP fees are quote-based and not publicly disclosed.

The company's competitive positioning rests on regulatory credentials (state debt management licensing across 33 states plus DC, HUD-approved housing counseling status, BBB A+ accreditation) and on industry association membership with the National Foundation for Credit Counseling (NFCC), Financial Counseling Association of America (FCAA), and Council on Accreditation (COA). The go-to-market combines sales-led phone intake, event-driven community education (Credit 101 classes, homebuyer education workshops, Spanish-language Crédito 101), and community-led referral partnerships through HUD and other organizations. There is no venture funding, no parent company, no disclosed M&A activity, and no documented leadership changes in the source data, consistent with a mature, mission-driven non-profit operating model.

Name

Credit Advisors Foundation

Legal name

Credit Advisors Foundation

Website

https://creditadvisors.org

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Credit Advisors Foundation is a 501(c)(3) non-profit credit counseling agency founded in 1991 that provides debt management plans, HUD-approved housing counseling, bankruptcy counseling, student loan counseling, and financial education to individual consumers across 33 U.S. states plus Washington D.C.

Ownership category

akta.pro rank

Product category

Credit Counseling & Debt Management

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

akta.pro secondary industries

Consumer Credit Counseling & Budgeting (FSAEAFAA), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

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

Headquarters

HQ city

Omaha

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Management Plan Fees: Fees associated with managing debt management plans where counselors consolidate client debts into single affordable payments, negotiate with creditors, and handle all payment processing and record-keeping on behalf of clients.
2. Housing Counseling Services: HUD-approved housing counseling services including pre-purchase homebuyer education, post-purchase counseling, mortgage delinquency and foreclosure mitigation, and reverse mortgage counseling.
3. Student Loan Counseling Services: Certified counselors educate clients on student loan options including consolidation, payment reduction, deferment, curing defaults, and obtaining forgiveness.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Credit Advisors Foundation is a nonprofit credit counseling organization that helps consumers manage and resolve unsecured debt through Debt Management Plans (DMPs), consolidating multiple debts into a single affordable monthly payment and negotiating reduced interest rates with creditors. The foundation also delivers HUD-approved housing counseling, bankruptcy pre-filing counseling and debtor education, student loan counseling, and free financial literacy education including Credit 101 classes and homebuyer education workshops.

Product overview

Credit Advisors Foundation is a nonprofit credit counseling organization offering a portfolio of financial wellness services. The core offerings include a Debt Management Plan (DMP) as the primary product, supplemented by Bankruptcy Counseling, Housing Counseling, and Student Loan Services. These are complemented by educational programs including Credit 101 Classes and Homebuyer Education Workshops, plus self-service resources like Debt Hacks articles and Ask a Counselor Q&A. All services are delivered through certified counselors via phone, email, and in-person sessions across three physical locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Management Plan (DMP) A program that consolidates multiple unsecured debts into a single affordable monthly payment, with certified counselors negotiating reduced interest rates and payments directly with creditors on the client's behalf. Target customers are consumers struggling with credit card, medical, car loan, and other unsecured debts.
• Credit Counseling Free confidential credit counseling and budgeting services delivered by certified personal finance counselors who assess financial situations and create actionable debt management plans for individual consumers.
• Bankruptcy Counseling Court-required pre-filing bankruptcy counseling and debtor education services for individuals considering or required to file bankruptcy, providing alternatives, guidance through the process, and required certifications.
• Housing Counseling HUD-approved housing counseling including pre-purchase homebuyer education, post-purchase counseling, mortgage delinquency and foreclosure mitigation, and reverse mortgage (HECM) counseling for current and prospective homeowners.
• Student Loan Services Counseling services for student loan debt covering consolidation, payment reduction, deferment, curing defaults, and forgiveness options, provided by certified counselors to borrowers with federal or private student loans.
• Quick Help Program Expedited intake and assessment program providing immediate access to certified counselors and initial action plans for consumers needing fast debt relief assistance.
• Credit 101 Classes Educational classes covering the basics of household financial management, credit building, and personal finance skills, offered in-person and virtually in both English and Spanish for general consumers.
• Homebuyer Education Workshop Free homeownership education workshops offered in-person and virtually via Zoom that cover the complete home buying process from down payment to loan closing and provide certification required for some loan products and down payment assistance programs.

Quantifiable outcome

• Payments reduced up to 50%
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• National Foundation for Credit Counseling (NFCC)coreOthersMember organization of the NFCC, a national nonprofit dedicated to educating all Americans about responsible money management and financial literacy. NFCC membership provides credibility and adherence to NFCC standards and best practices.
• Financial Counseling Association of America (FCAA)coreOthersMember of FCAA, an organization of agencies committed to providing quality financial counseling and education services to consumers.
• Council on Accreditation (COA)coreOthersAccredited by COA, demonstrating commitment to quality standards and best practices in human service organizations. COA accreditation validates operational and service quality.
• HUD (U.S. Department of Housing and Urban Development)coreOthersHUD-approved housing counseling agency authorized to provide housing counseling and education services including pre-purchase homebuyer education, foreclosure mitigation, and reverse mortgage counseling as part of HUD's housing counseling program.

Scale indicators3 records

Recent moves1 record

Expansion highlights6 records

Direct peers

• Cambridge Credit Counseling: Nonprofit credit counseling agency providing debt management plans, housing counseling, and financial education services. Comparable HUD-approved counseling agency with overlapping service lines.
• Springboard Nonprofit Consumer Credit Management: Nonprofit credit counseling agency offering debt management plans, housing counseling, and financial education across multiple states. Comparable HUD-approved housing counseling provider with similar service portfolio.
• Money Management International (MMI): One of the largest U.S. nonprofit credit counseling agencies, providing debt management, housing counseling, bankruptcy counseling, and student loan services. Directly comparable in product mix and HUD-approved housing counseling services.
• InCharge Debt Solutions: Nonprofit credit counseling organization offering debt management plans, housing counseling, bankruptcy education, and student loan counseling. Operates nationally with similar HUD-approved counseling services and multi-state licensing.
• Clearpoint Credit Counseling Solutions: Nonprofit credit counseling agency providing debt management plans, housing counseling, student loan counseling, and bankruptcy pre-filing counseling. Comparable HUD-approved agency with similar accreditation stack (NFCC, FCAA).
• GreenPath Financial Wellness: Large nonprofit credit counseling agency offering debt management plans, housing counseling, student loan counseling, and financial education. Most directly comparable to Credit Advisors Foundation in scope, accreditations, and target customer segments.
• Take Charge America: Nonprofit credit counseling agency headquartered in Arizona (similar to Credit Advisors Foundation's Scottsdale office) offering debt management, student loan counseling, housing counseling, and financial education. Direct geographic and service-line peer.
• Money Fit by DRT Solutions: Nonprofit credit counseling agency offering debt management, housing counseling, student loan counseling, and financial education. Comparable in size, scope, and target customer profile.
• Consolidated Credit Counseling Solutions: Nonprofit credit counseling organization providing debt management, housing counseling, student loan services, and financial education. Comparable in service breadth and target consumer segments.

Broad incumbents

• National Foundation for Credit Counseling (NFCC): National network and membership organization for nonprofit credit counseling agencies. Credit Advisors Foundation is a member; NFCC operates as the umbrella industry body rather than a direct service provider to consumers, making it a broad incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/caf_advisors

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Credit Advisors Foundation