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Consumer Education Services, Inc. (CESI) is a non-profit service provider of comprehensive personal financial education and solutions for all life stages and for all of life's milestones. Our goal is enhanced economic security for everyone we serve.

500,000 +



Average Monthly Savings




Everyone's financial situation is different, which is why CESI provides a range of services including non-profit credit counseling, debt relief options and financial education tools.

Debt Management

If you’re struggling with debt, you’re not alone. Millions of Americans are in the same situation, looking for debt relief. Get a free financial counseling session with CESI today to learn about debt relief options that are right for you.

Bankruptcy Counseling

CESI’s Start Fresh Today platform offers the required Pre-Filing Credit Counseling and Post-Filing Debtor Education for Chapter 7 and Chapter 13 Bankruptcy. Both are EOUST-approved and can be completed online or by phone.

Homeownership Center

CESI provides certified HUD-Approved housing counseling, education and resources for everyone from first time home buyers to those in distress. From reverse mortgage counseling to homebuyer education, we offer housing solutions for your needs.

Student Loan Solutions

Are you struggling with Federal Student Loan Debt and feeling overwhelmed by the many repayment plans available? CESI offers student loan counseling that can help you analyze your options and determine the best fit for your situation.

BBB Rating A+

CESI strives to provide excellent service to all clients while maintaining
the highest standard values

Educational Resources

free financial education tools

Learn how to understand your credit score, improve your credit history, cut your expenses and get debt relief with our tips and tools. We created this library of personal finance resources to help you get started toward a secure financial future.

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Featured Blog Post

Tired of overdraft fees? Sign up now for this free fee-blocking app

October 7, 2021 by | Leave a comment

Banks make big bucks from overdraft fees — more than $11.6 billion in 2019 alone, according to one study from the Center for Responsible Lending. And those fees, which are charged to customers when they spend more than they have in their bank account, can add up quickly. A single overdraft fee, which hovers around $35, could ...


Consumer Education Services, Inc. empowers people to overcome their financial challenges and lead financially-healthy lives.


Debt Consolidation

Financial Education

Homeownership Center

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Financial Information about this organization and a copy of its license are available from the State Solicitation Licensing Branch at 919-814-5400. The license is not an endorsement by the State. 

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Registered 501(c)(3). EIN: 56-2106758

Consumer Education Services, Inc. © 2022