Is there any non-profit organization which helps in budgeting by no or little fees?

Yes, you can do so here. Check out this page for more info: https://www.debtconsolidationcare.com/contact-us/callback.html

Should I go for credit counseling?

Credit counseling helps to manage money efficiently. If you are stuck with a debt problem, credit counseling may help you to get back your lost financial health.

Is it offered free of cost?

Some non-profit credit counseling organizations charge less or no money for the credit counseling service. If you get enrolled in a debt management program (DMP), then you need to pay a fee.


Make sure, the organization you choose is licensed in your state and accredited or certified by the National Foundation for Credit Counseling (NFCC).