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Updated July 28, 2026

Disclaimer

How We Write This, and What It Isn’t

Calculate My Debt is written and reviewed by our editorial team. We are not a law firm, a licensed financial advisory practice, or a credit counseling agency, and nothing on this site is individualized financial or legal advice.

What we do

We research debt payoff mechanics, verify every statistic against its primary source (the Consumer Financial Protection Bureau, the Federal Reserve, the National Foundation for Credit Counseling, the FTC, and similar), and build calculators that run the math correctly. We check every article for accuracy before it publishes, and we update pages when the underlying data changes.

What we don’t do

We don’t tell you what you personally should do with your debt. Your situation includes things we can’t see, your income stability, your state’s laws, your other obligations, your risk tolerance. General information can get you most of the way to a plan. The part that’s actually about your life needs a professional who can see the whole picture.

If you want personalized help

A good starting point is a nonprofit, certified credit counselor. Unlike many “debt relief” companies that advertise online, these organizations aren’t paid based on which option they steer you toward. Below is a directory organized by region. Entries marked with a checkmark have been independently verified as currently active; the rest are compiled from AI-assisted research (cross-referenced across two independent sources for agreement) but haven’t been individually confirmed by us, so treat them as a starting point for your own search rather than a final answer.

North America

Europe & UK

  • United Kingdom: MoneyHelper ✓, government-backed; StepChange ✓; Citizens Advice
  • Ireland: Money Advice and Budgeting Service (MABS) ✓, state-funded
  • Germany: Schuldnerberatung, free debt counseling through Caritas, Diakonie, and Verbraucherzentrale (consumer centers) in every state
  • France: Banque de France’s over-indebtedness service (surendettement); Association Crésus
  • Netherlands: NVVK, the national association for municipal debt counseling
  • Switzerland, Austria, Belgium, Nordic countries: municipal or state-recognized debt counseling services are the norm; search “debt counseling” plus your country and city

Asia-Pacific

  • India: RBI-supported Financial Literacy and Credit Counselling Centres (FLCCs) ✓, bank-sponsored and free; Disha Financial Counselling ✓
  • Singapore: Credit Counselling Singapore ✓, registered charity
  • Malaysia: AKPK (Agensi Kaunseling dan Pengurusan Kredit) ✓, run by Bank Negara Malaysia
  • Australia: National Debt Helpline ✓, 1800 007 007
  • New Zealand: MoneyTalks, 0800 345 123, funded by the Ministry of Social Development
  • Japan: Japan Consumer Credit Counseling Association (JCCO)
  • South Korea: Credit Counseling & Recovery Service (CCRS), public non-profit under government oversight

Africa & Middle East

  • South Africa: National Credit Regulator ✓, official directory of registered debt counsellors; Debt Counsellors Association of South Africa
  • United Arab Emirates: Sanadak, financial ombudsman and debt guidance through UAE banks
  • Israel: Paamonim, nonprofit budgeting and debt counseling

Countries not listed here

In many countries, including much of Eastern Europe, Central Asia, and parts of Africa, there isn’t a single nonprofit equivalent to NFCC or StepChange. Debt advice in those places is usually available through the central bank, the financial regulator, municipal social services, or a legal aid organization. Search “debt counseling” or “credit counseling” plus your country’s name and check with your own bank, which is often able to point you toward whatever the local equivalent is.

A note on numbers

Any statistic you see cited on this site links back to where it came from and the year it was published. If a number can’t be traced to a primary source, we don’t use it. We would rather leave a claim out than get it wrong.

About our calculators

The calculators on this site (debt snowball and avalanche comparisons, payoff timelines, and related tools) run standard, well established amortization math. They’re a planning aid, not a guarantee. Results depend entirely on the numbers you enter, and real world outcomes can differ because of rate changes, missed payments, fees, or changes in your own finances. Treat the output as a starting point for a conversation with yourself, or with a professional, not as a promise of what will happen.

Affiliate relationships

If a page on this site includes a link to a third party product or service and we earn a commission when you use it, we’ll disclose that on the page itself, near the link, not buried in this policy alone. That disclosure will always be clear before you click, not something you have to go looking for.

Changes to this page

This page will be updated as our editorial process evolves. Last reviewed: July 2026.

This article is general information, not individualized financial or legal advice. Every statistic here is sourced and dated. Read our full disclaimer and find a nonprofit credit counselor by country.