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Credit Counseling Programs

Home Credit Counseling Programs

Credit counseling program in Waterloo Iowa

Consumer Credit Counseling Service of Northeastern Iowa (CCCS)

CCS is an accredited non-profit that has served the Cedar Valley for over 25 years. Their mission is to help clients get out of debt. Their services include:

  • Certified credit counseling
  • Debt management
  • Bill paying
  • Bankruptcy counseling and education
  • Representative payeeship
  • Housing/foreclosure counseling
  • Financial education

Using their Money Map program, CCCS can help individuals change their spending habits and balance their budgets. The program is provided to high schools, Iowa Heartland Habitat for Humanity clients and other agencies.

Contact (319) 234-0061 or visit their website.

Family Management Credit Counselors, Inc.

The mission of Family Management Credit Counselors is to provide comprehensive financial counseling and debt management services to assist people in developing and maintaining a budget, reducing debt, saving money and ultimately, making good financial decisions. Family Management Credit Counselors also offers representative Payee, Conservatorship and Guardianship services.

For more information, contact (319) 234-6695 or visit their website.


YWCA offers help to Spanish-speaking individuals in their efforts to find suitable housing. Services that are offered include:

  • Interpretation between Realtors® and home buyers
  • Interpretation and promotion of home ownership through Iowa Heartland Habitat for Humanity

For more information about the programs offered by YWCA please contact them by calling (319) 287-6400 or visiting their website.

Operation Threshold Programs


Providing Resources, Opportunity, Understanding and Direction (PROUD) to home ownership is the main goal of Operation Threshold’s PROUD home ownership program. This program cultivates a community of sustainable home ownership, allowing families to truly use their homes as a means of asset-building and economic security through the following services and classes:

PROUD services include:
  • Pre-purchase counseling
  • Credit counseling
  • Post-purchase counseling
PROUD classes include:
  • Homebuyers education
  • Post-purchase education
  • EnergyWise

Creating Assets for Success and Happiness (CASH)

The Cash course is a free four-week seminar open to the public. It is designed for anyone who wants to learn ways to manage their money, build assets and get out of debt.

Topics include:
  • Money Management and Banking Basics
  • Understanding Credit and Your Credit Report
  • Identity Theft
  • Getting a Loan and Predatory Lending

For more information about PROUD or CASH programs, contact Operation Threshold at (319) 291-2065 or by visiting their website.

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