Take Charge America is a non-profit financial education and credit counseling organization.
We are dedicated to helping people nationwide improve their financial futures through educational outreach, credit counseling and debt management solutions.
Credit Counseling Education really is power when it comes to your finances. We can provide you with the tools, knowledge and customized budget to help you reach your goals.
Debt ManagementOverwhelmed by debt? We have real solutions for real people with serious debt challenges. Support, compassion and education can be found here.
Housing CounselingHomeownership comes with opportunities and challenges. Whether you’re just starting out or seeking guidance in the face of foreclosure, we offer support you need.
Bankruptcy Counseling Bankruptcy is a legal process designed to help consumers and businesses eliminate or repay debts under the protection of the federal bankruptcy court.
Student Loan CounselingAre you struggling to repay student loans? Our specially trained student loan counselors can help you identify the right solution for paying off your debt.
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Share your personal story with the TCA community. Let us know how we're doing.
Ask our resident financial expert, The Budget Doctor, your financial questions.
Financial Article Library Financial Calculators Educator Lesson Plans Consumer Resources
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Economists say that every decision has a tradeoff. If you spend your money on an apple, you can’t buy a candy bar. Read Full Article
To ask The Budget Doctor a questionClick here...
Learn about credit counseling and other financial topics.
Help your youngsters develop smart money management skills with free financial lesson plans, designed for grades 1 – 5.
Take Charge America is proud to be the founding and primary supporter of the Take Charge America Institute at the University of Arizona. Learn how this program helps improve financial literacy nationwide.
Few financial figures are as important as a credit score. The three-digit figure has a major impact on daily life – dictating what you can buy, how much credit you can obtain and even where you live. Continue reading...
Personal financial management is no small task, and conflicting advice from family and friends can make it even more difficult. So how do you know you’re on the right track? We’ve laid out some basic milestones. Continue reading...
With a lingering recession and more Americans feeling the pinch, review these tips to cut your health care costs while still accessing the medical care you need. Continue reading...
For many new moms, deciding whether to go back to work or not can be difficult. However, it’s a decision most new mothers must confront. We’re laying out the financial factors you need to consider. Continue reading...
Are your aging parents financially prepared for the future? Now is the time to broach the topic with your parents – to ask questions, evaluate options and make necessary plans to ensure their financial security. Continue reading...
We are a long standing member of the Better Business Bureau (BBB) and have earned an A+ rating
We have been honored with the coveted BBB Business Ethics Award.
For more information about our BBB accreditation, click here.
We have highly trained, certified credit counselors who are compassionate and committed to helping you overcome debt challenges.
Learn more about our counselors.
You will receive a comprehensive, customized budget to help you manage your finances.
You will gain access to exclusive financial tools and educational resources… for free.
As a non-profit, our primary goal is helping you achieve financial independence.
For 25 years, we have helped people just like you pay off debts and reach financial goals.
For 25 years, Take Charge America has been committed to helping people around the country improve their financial futures. We work with individuals and families facing a variety of financial challenges to help them achieve self-reliance, financial stability and financial independence.
Take Charge America's commitment to financial education and personalized support has helped us become one of the most-respected non-profit credit counseling and debt management agencies in the nation. To date, we have helped more than 1.6 million consumers manage their finances and repay more than $5 billion in personal debt.
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May 1, 2013, MarketWatch RadioTake Charge America’s Mike
Sullivan offers tips on how families can save more money ahead of the summer vacation
April 25, 2013, Phoenix Business JournalTake Charge America
announces Dave Paddison as the new director of finance.
April 1, 2013, Arizona RepublicChief Education Officer
Mike Sullivan explains how some payday loan companies shifted to title loans.
February 21, 2013, WFMY-TV, GreensboroChief Education
Officer Mike Sullivan offers advice about a pre-paid debt card for teens.
more news »