Departments
All office hours are Eastern Standard Time...
Credit Counseling
New credit counseling clients
Toll Free: 1-877-906-5599
Certified Credit Counselors are available
Monday - Friday: 8am - 11pm
Saturday: 9am - 6pm
Customer Service
Existing InCharge clients
Toll Free: 1-888-734-6229
Customer Service agents are available
Monday - Friday: 8am - 6pm
Housing Counseling
New or existing Housing clients
Toll Free: 1-877-712-6040
Certified Housing Counselors are available
Monday - Thursday: 8am - 6pm
Friday: 8am - 12pm
Bankruptcy Counseling
New or existing Bankruptcy clients
Toll Free: 1-866-729-0049
Certified Housing Counselors are available
Monday - Friday: 8am - 9pm
Holidays
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Thanksgiving
Day after Thanksgiving
Christmas Day
Speak with a counselor @ 
800-565-8953

Debt Consolidation Calculators

Repaying Student Loans Calculator

Now that you have graduated, outstanding student loans could impact your ability to qualify for home, auto and other personal loans. Use this calculator to help you understand the feasibility of paying off your debt with your anticipated future income.

How Much Will My Loan Cost Calculator

When you're shopping for a loan, you should look not only at the monthly payment that you will be required to make on the loan, but also the total amount of interest you will pay on the loan. This calculator is a handy tool to help you compare loans.

Cost Of Credit Calculator

If you don't pay off your credit card balance every month, the interest assessed on your account means you may be paying more for the items you purchase than you expect. And if you spend beyond your means and add up considerable credit card debt, the extra money you pay in interest can be alarming!

Should I Consolidate My Debt Calculator

Is this the right time to consolidate your debt? This calculator can help you decide. See what your monthly payment would be with or without a consolidated loan and how many months it will take to become debt free.

Credit Card Payoff Calculator

Use this credit card payoff calculator to see what it will take to pay off your credit card balance, and what you can change to meet your credit card repayment goals.

Debt Roll Down Calculator

To see how this strategy can be applied to help you reduce your credit card debt, enter your credit card balances along with an additional Rolldown amount.

How Much Do You Owe Calculator

Use this debt management calculator to find out how much you owe. This can be used as a good starting point for your debt management plan.