The 1st Fully Integrated Online Credit Counseling System


Advantage is proud to announce our intelligent decision based online credit counseling system. Our FREE online system is 100% secure, confidential, and accessible 24×7 from the comfort of your own home. This is the first system of its kind to actually provide personalized counseling advice and propose, if appropriate, whether a debt management program (DMP) is right for you.

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The Benefits of Online Credit Counseling

Why Choose Our System Over Others?

With over 49 years of non-profit credit counseling experience, we have helped well over 400,000 consumers become debt free! Our outstanding customer service, A+ rating with the Better Business Bureau and exceptional standing in the credit counseling industry has stayed the same since 1968!



100% Free With
No Obligations



Available 24 Hours A Day
7 Days A Week



Secure and
Confidential



Reviewed by
Certified Counselors

More Features: Others
User input of income, expenses, creditors, assets & liabilities
System generates a 20+ page custom Action Plan (PDF)
Allows user to create a proposed budget scenario
Decision engine determines if a Debt Management Plan (DMP) may be right for you
If appropriate, calculates DMP monthly payment
If appropriate, calculates estimated time to pay off your debt and how much interest you can save

More Features

  • User input of income, expenses, creditors, assets & liabilities
  • System generates a 20+ page custom Action Plan (PDF)
  • Allows user to create a proposed budget scenario
  • Decision engine determines if a Debt Management Plan (DMP) may be right for you
  • If appropriate, calculates estimated time to pay off your debt and how much interest you can save

Free Debt & Credit Counseling Services Online

This proprietary online credit counseling system will guide you through step by step in order to complete the intake forms that are necessary for our system to analyze your complete financial situation. You will be asked to enter information such as your Contact Info, Income, Daily Expenses, Credit Card Debt, Assets, and Liabilities.

NOTE: Unlike other online credit counseling services, Advantage does not require your Social Security Number, Credit Card Account Numbers or require you to pull a Credit Report.

Take Control of Your Debt Today

If you have any problems or questions about our credit counseling services, please feel free to give us a call.

Call Us At 1-866-699-2227

After your current budget has been created the system automatically generates a customized Action Plan. This 20 plus page PDF document contains a full budget analysis, balance sheet and personal debt reduction recommendations, tips, suggestions and helpful resource links.

If the system determines that you have a shortfall (expenses are greater than your income) you will be guided through creating a Proposed Budget in order to see if there are any adjustments you are willing to make in order to balance your budget.

Once this is complete, the system will analyze the information you have provided and present a recommendation on whether a debt management program may be right for you. If the system determines that a DMP may be an option, it will provide a comparison of your current creditor payment obligations versus an estimate of what your monthly payment would be on a debt management program.

  • Current vs. Estimated DMP Monthly Payment
  • Current vs. Estimated DMP Months to get out of Debt
  • Current vs. Estimated DMP Total Interest
  • Current vs. Estimated DMP Total Amount needed to pay off Debt

Once you complete your online credit counseling session, if a debt management program is right for you, one of our certified counselors will contact you within one business day to schedule a brief, no-obligation, follow-up telephone session. The purpose of this session is to ensure that all of the information you have provided is accurate and explain the details of how the Agency’s debt management program works and whether the program is appropriate for your current situation. Additionally, he or she will explain the steps needed to begin the program.

Ready to Get Started?

Use our FREE online system and see whether a debt management program (DMP) is right for you!

Start Your Online Credit Counseling Session

Take Control of Your Debt Today

If you have any problems or questions about our credit counseling services, please feel free to give us a call.

Start Your Online Credit Counseling Session