Consumer Credit Counseling of the Black Hills

Financial Counseling Servicescccsbh.com

Consumer Credit Counseling of the Black Hills is a 501(c)(3) nonprofit founded in 1974 that provides credit counseling, debt management, housing counseling, bankruptcy education, and financial literacy classes to individuals and families across South Dakota, Nebraska, North Dakota, and Wyoming from its Rapid City headquarters.

Company typePrivate
Founded1974
HeadquartersRapid City, United States
Headcount11–50
GTM typeB2C
OfferingServices

What Consumer Credit Counseling of the Black Hills does

Consumer Credit Counseling of the Black Hills (CCCSBH), legally Rushmore Consumer Credit Resource Center, is a 501(c)(3) nonprofit financial counseling agency founded in 1974 and headquartered at 2310 N Maple Ave, Rapid City, South Dakota. The organization serves individuals and families across four states (South Dakota, Nebraska, North Dakota, and Wyoming) through three delivery channels: in-person office counseling, telephone appointments, and an online counseling portal built on cloverleafcms.org with Experian credit report integration. Core service lines include a Debt Management Program (DMP) administered in partnership with Navicore Solutions, HUD-approved housing counseling, court-mandated bankruptcy pre-filing counseling and post-filing debtor education approved by the Executive Office of the US Trustees (EOUST), and a suite of financial education classes including the nationally award-winning Credit When Credit Is Due curriculum, Make Your Move homebuyer education, Ins and Outs of Renting, and Start Right small business program.

Revenue is generated through a hybrid of transactional fees, federal grants, and philanthropic funding. DMP clients pay one-time setup fees of $25-$95 on a sliding scale plus monthly administrative fees up to $60; bankruptcy course fees are $50 per course per filer with waivers for those at or below 150% of poverty guidelines; HUD grants and United Way funding underwrite free housing counseling and education; and creditors participating in DMPs make voluntary fair-share contributions of 0-15% of client payments. The organization holds multiple accreditations (NFCC member, HUD-approved, COA accredited, EOUST approved, BBB accredited, SD HERO provider, United Way agency) and is governed by an 11-member volunteer Board of Directors.

The organization reports cumulative impact metrics of 46,669 households counseled, 89,938 individuals educated, $62,396,382 returned to the community on behalf of DMP clients, and 1,843,335 financial education programs distributed nationally. CCCSBH's competitive position rests on regulatory licensure, 50 years of community presence, certified counselor workforce, and an embedded referral network spanning the South Dakota Housing Development Authority, regional banks, credit unions, and United Way affiliates. Its technology stack is intentionally lightweight, with no AI/ML, API, mobile app, or enterprise integrations disclosed, reflecting a community-led, human-counselor-first service model.

Consumer Credit Counseling of the Black Hills firmographics

Firmographics

Name: Consumer Credit Counseling of the Black Hills
Legal name: Rushmore Consumer Credit Resource Center
Website: https://cccsbh.com
Company type: Private
Founded year: 1974
Operating status: Operating
Headcount range: 11–50 employees
Short description: Consumer Credit Counseling of the Black Hills is a 501(c)(3) nonprofit founded in 1974 that provides credit counseling, debt management, housing counseling, bankruptcy education, and financial literacy classes to individuals and families across South Dakota, Nebraska, North Dakota, and Wyoming from its Rapid City headquarters.
Ownership category
akta.pro rank

Consumer Credit Counseling of the Black Hills industry classification

Industry

Product category: Financial Counseling Services
NAICS: Educational Support Services (611710)
SIC: Services-Social Services (8300)
akta.pro primary industry: Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)
akta.pro secondary industries: Consumer Credit Counseling & Budgeting (FSAEAFAA), Bankruptcy Counseling & Pre-Filing Education (FSAEAFAG), Mortgage Delinquency & Foreclosure Prevention Counseling (FSAEAFAF)

Keywords

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

Where Consumer Credit Counseling of the Black Hills is headquartered

Location

Headquarters

HQ city: Rapid City
HQ country: United States
HQ region: North America

Offices1 record

Markets served

Consumer Credit Counseling of the Black Hills business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

Debt Management Program Fees: Setup fees and monthly administrative fees from Debt Management Program clients. Setup fees range from $25-$95 based on state and sliding scale. Monthly fees up to $60 through partner Navicore Solutions.
Bankruptcy Counseling and Education: Course 1 (pre-filing counseling) and Course 2 (post-filing education) at $50 per person each. Fees waived for those at or below 150% of poverty guidelines.
HUD Grants and Housing Counseling Funding: Federal funding from Housing and Urban Development for housing counseling and education services provided at no charge to clients.
United Way and Community Support: Funding from United Way of the Black Hills and community donors supporting nonprofit operations.
Creditor Fair Share: Voluntary contributions from creditors participating in Debt Management Programs, calculated as percentage of client payments (0-15%).

Pricing tiers

Model	Billing	Price
One time/ perpetual license	Pay-as-you-go	Bankruptcy Counseling Course 1 - Pre-filing
One time/ perpetual license	Pay-as-you-go	Bankruptcy Education Course 2 - Post-filing
Hybrid	Monthly	Debt Management Program - SD/WY Residents
Hybrid	Monthly	Debt Management Program - ND Residents
Hybrid	Monthly	Debt Management Program - NE Residents
Freemium	Pay-as-you-go	Financial Education Classes
Freemium	Pay-as-you-go	Housing/Financial Counseling

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Consumer Credit Counseling of the Black Hills product offering

Product offering

Core offering

Consumer Credit Counseling of the Black Hills is a nonprofit credit counseling agency that delivers a Debt Management Program (DMP), HUD-certified housing counseling, EOUST-approved bankruptcy pre-filing and pre-discharge education, and financial education classes. Services are aimed at individuals and families seeking help managing debt, preparing for homeownership, navigating bankruptcy, or improving general financial literacy.

Product overview

Consumer Credit Counseling Service of the Black Hills operates as a non-profit financial counseling agency offering an integrated suite of services focused on debt management, financial education, housing counseling, and bankruptcy education. The core offering is the Debt Management Program (DMP), which combines creditor negotiations with financial education through the award-winning Credit When Credit Is Due program. Supporting services include HUD-certified housing counseling, court-approved bankruptcy counseling/education courses, and consumer education classes including Make Your Move (homebuyer education), Ins and Outs of Renting, and Start Right (small business). Services are delivered through in-person, telephone, and online channels. The organization partners with Navicore Solutions for DMP administration and offers courses through external platforms including counselinginmotion.com, moneyinmotion.us, and cloverleafcms.org.

Differentiator

Problem solved

Functional benefit

Products and services

Debt Management Program (DMP)

Quantifiable outcome

$62,396,382 returned to community on behalf of Debt Management clients
+3 more outcomes

Companies that use Consumer Credit Counseling of the Black Hills

Customer profile

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Consumer Credit Counseling of the Black Hills technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

Consumer Credit Counseling of the Black Hills partnerships and signals

Strategic signal

Partnerships

Eight partnerships are on record, tiered core and minor.

Navicore SolutionscoreStrategic or Co-development PartnerPartner organization for Debt Management Program administration. Navicore Solutions charges monthly fees of up to $60 for DMP clients and provides payment processing and creditor communication services. Both agencies are non-profit 501(c)(3) organizations governed independently by separate volunteer Boards of Directors.
United Way of the Black HillscoreGTM or Marketing PartnerFunding partner and referral source. CCCSBH is a United Way member agency in Rapid City, Sturgis, and Northern Hills. United Way provides funding support and community connections.
U.S. Department of Housing and Urban Development (HUD)coreGTM or Marketing PartnerFederal funding source for housing counseling and education programs. HUD provides grants that enable free housing counseling services. CCCSBH is a HUD-approved housing counseling agency.
South Dakota Housing Development Authority (SDHDA)coreGTM or Marketing PartnerGold sponsor and partner providing HERO (Homeownership Education Resource Organization) program funding. SDHDA refers applicants needing rent, mortgage, or utility assistance to CCCSBH for financial counseling.
National Foundation for Credit Counseling (NFCC)coreStrategic or Co-development PartnerMembership organization setting standards for credit counseling. CCCSBH educators are certified through NFCC, and the agency is an NFCC member complying with high standards for quality credit counseling and financial education.
Council on Accreditation (COA)coreStrategic or Co-development PartnerIndependent third-party organization that reviews and monitors entities providing social services. CCCSBH is COA accredited, maintaining high standards for counselor certification, fiscal integrity, and governance.
Rapid City Chamber of CommerceminorGTM or Marketing PartnerLocal business membership organization supporting community business engagement.
Creditor Partners (Debt Management Program)coreOthersCreditors who participate in Debt Management Programs make voluntary contributions (0-15% of client payments) to help fund agency services. These contributions are known as creditor fair share. All client accounts are credited with 100% of payments regardless of whether creditors contribute.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Consumer Credit Counseling of the Black Hills competitors and assessment

Company assessment

Emerging players

Dave: Public fintech offering cash advances, budgeting tools, and credit-building products aimed at subprime consumers who historically would have sought credit counseling. Represents the digitally native threat that could divert potential CCCSBH clients before they enter the counseling funnel.
Accredited Debt Relief: For-profit debt settlement and credit counseling company addressing consumer debt distress. Operates a different business model (settlement vs. DMP) but competes for the same financially distressed consumer segment as CCCSBH.

Direct peers

Apprisen (now part of MMI): Nonprofit HUD-approved housing and credit counseling agency offering DMP, bankruptcy counseling, and financial education across multiple states. Highly comparable in nonprofit structure, regulatory approvals, and service breadth.
Navicore Solutions: Nonprofit credit counseling agency and direct operational partner of CCCSBH (handles DMP administration). Provides the same DMP, housing, and financial education services independently in other regions and represents both a peer and a strategic partner.
Take Charge America: Nonprofit credit counseling agency based in Arizona offering Debt Management Programs, housing counseling, bankruptcy education, and student loan counseling. Comparable HUD-approved, NFCC-affiliated nonprofit with similar service portfolio and DMP-driven revenue model.
Clearpoint Credit Counseling Solutions: Nonprofit HUD-approved credit counseling agency offering Debt Management Programs, housing counseling, bankruptcy pre-filing and post-filing education, and student loan counseling. Competes directly with CCCSBH for DMP clients and EOUST bankruptcy certificate volume nationwide.
InCharge Debt Solutions: 501(c)(3) nonprofit credit counseling agency providing Debt Management Programs, housing counseling, bankruptcy education, and financial education. HUD-approved and NFCC-affiliated, with a comparable service mix and similar reliance on DMP fees and creditor fair-share contributions.
Money Management International: One of the largest US nonprofit credit counseling agencies offering Debt Management Programs, housing counseling, bankruptcy education, and financial education across all 50 states. Directly comparable in mission, services, and HUD/NFCC/EOUST credentials, but at far greater national scale than CCCSBH.
GreenPath Financial Wellness: National HUD-approved, NFCC-member nonprofit credit counseling agency providing DMP, housing counseling, bankruptcy counseling, and financial education. Operates in all 50 states and offers both phone-based and online counseling, mirroring CCCSBH's service portfolio at much larger scale.

Others

National Foundation for Credit Counseling (NFCC): National membership and standards body for nonprofit credit counseling agencies; CCCSBH is an NFCC member. NFCC sets counselor certification standards and provides a shared infrastructure and referral network that defines the peer group for agencies like CCCSBH.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

Consumer Credit Counseling of the Black Hills compliance and trust

Trust signal

Compliance6 records

Consumer Credit Counseling of the Black Hills financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Consumer Credit Counseling of the Black Hills leadership team

Management profile

Number of profiles

Profiles1 record

Consumer Credit Counseling of the Black Hills funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

Consumer Credit Counseling of the Black Hills M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about Consumer Credit Counseling of the Black Hills

What does Consumer Credit Counseling of the Black Hills do?

Is Consumer Credit Counseling of the Black Hills a public or private company?

Consumer Credit Counseling of the Black Hills is a private company. It is classified as nonprofit foundation owned and is currently operating.

When was Consumer Credit Counseling of the Black Hills founded?

Consumer Credit Counseling of the Black Hills was founded in 1974. It employs 11 to 50 people.

Where is Consumer Credit Counseling of the Black Hills based?

Consumer Credit Counseling of the Black Hills is headquartered in Rapid City, United States, in the North America region.

How does Consumer Credit Counseling of the Black Hills make money?

Five revenue lines are on record. Debt Management Program Fees are the primary driver. The others are bankruptcy Counseling and Education, HUD Grants and Housing Counseling Funding, united Way and Community Support and creditor Fair Share.

Who are Consumer Credit Counseling of the Black Hills's main competitors?

Emerging players on record are Dave and Accredited Debt Relief. Direct peers are Apprisen (now part of MMI), Navicore Solutions, Take Charge America, Clearpoint Credit Counseling Solutions, InCharge Debt Solutions, Money Management International and GreenPath Financial Wellness. National Foundation for Credit Counseling (NFCC) is listed as an others.

Does Consumer Credit Counseling of the Black Hills have an API?

No public API is recorded for Consumer Credit Counseling of the Black Hills.

What industry is Consumer Credit Counseling of the Black Hills in?

Consumer Credit Counseling of the Black Hills's product category is Financial Counseling Services. Its primary akta.pro industry code is FSAKAJAH, Credit Counseling & Debt Management Plans (DMP), with a secondary code of FSAEAFAA, Consumer Credit Counseling & Budgeting. Its NAICS code is 611710 and its SIC code is 8300.