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Debt Management
Case Studies

Meagan is from Burbank, California and in October 2008 she owed $69,061 from 6 different credit cards and other unsecure debts, with interest rates from 13% to 30%. Her monthly minimum credit debt payment was $2,097, and she was on track to take 19 years to pay off her debt. Her FICO? score was 498.

After providing Meagan with free credit counseling, a debt management plan was proposed with a new monthly consolidated payment of $1,673, at an average interest rate of 16%. Total time to pay off her debts: five years. 13 months after enrolling in the plan, her credit score had risen to 572.

Meagan benefited from concessions offered by her creditors which lowered her interest rates to an average of 16% and her monthly payment by $424. More importantly, this new consolidated lower monthly payment will enable her to pay off the entire $69,061 in 5 years. In addition, Meagan?s credit score increased 74 points in just one year now that she is current on all of her debts and made all her payments on time each month.

Note: This is an actual Springboard DMP client. The client?s name and possibly location has been changed to protect their privacy. Read More Debt Management Case Studies >>

About Springboard's Nonprofit Consumer Counseling


About SpringboardSpringboard is a non-profit agency formed in 1974 by business leaders and credit grantors. Our mission is simple, yet vital: Our people improve the lives and financial well-being of individuals and families by providing quality financial education and counseling.. We are here to help.


Our Credentials

In this day and age, it is difficult to know whom to trust. That is why we wear our "badges" proudly on our site. It is these badges along with our more than 35 years of experience that reassure you that you have found the right agency for assistance. Take a look at what these badges mean and what they should mean to you. You may also click on the logo to visit the website for each of the agencies.



Accredited by the Better Business Bureau

Springboard Nonprofit has been accredited by the BBB since October 11, 1983. The BBB Code of Business Practices represents high-standards in advertising, selling and customer service practices that enhance customer trust and confidence in business.
Click here to verify Springboard's BBB accreditation.

Accredited by the COA

To become accredited by the Council on Accreditation, we undergo an extensive review process by an independent review group to make sure we provide the best possible non-profit service to the community.
More about the COA.

HUD-Approved Housing Counseling Agency

We are a HUD-certified housing counseling agency. To maintain this certification, we keep meticulous records and undergo regular audits.
More about HUD Housing Counselors.

Member of NFCC

Founded in 1951, the National Foundation for Credit Counseling promotes the national agenda for financially responsible behavior and builds capacity for its Members to deliver the highest quality financial education and consumer credit counseling services.
More about the NFCC.

Member of AICCCA

We belong to the Association of Independent Consumer Credit Counseling Agencies, which promotes quality and consistent delivery of credit counseling services.
More about the AICCCA.

Accredited by NHCA

The National Housing Counseling Association was formed to support HUD-approved 501(c)3 housing counseling agencies in the delivery of reverse mortgage counseling services.
More about the NHCA.

Consumer Credit Counseling Service Logo

Consumer Credit Counseling Service Agency

We began in 1974 as Consumer Credit Counseling Service of Inland Empire (CCCS-IE). We are still CCCS-IE, but operate as Springboard to distinguish ourselves from other CCCS agencies.

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