These non-profit organizations can offer various forms of financial literacy, debt reduction, and credit counseling services. If you need help paying off payday loans, paying bills, or preventing a foreclosure, then these organizations may be able to assist with those types of consumer debts. Most of the programs and resources are offered for free to qualified individuals, or there may be a minimal fee due in some cases.

SmartMoney Community Services Get help reducing your debts, financial literacy, budgeting skills and economic education. In addition, they also offer credit repair and Budget Counseling, free advice, as well as credit union services. There is also access to hardship programs, credit card debt negotiation, matched savings incentives, homeownership counseling and entrepreneurship workshops. Call 513-241-7266 for debt help and learn more about class offerings here

CityLink Center hosts One-on-one Financial Counseling based on your availability – Available in-person or remotely, by phone or video.

SmartMoney Workshops, available 9am-3pm, Tuesday-Friday, and on Wednesday evenings.
CityLink Center
800 Bank Street
Cincinnati, OH 45214
513-357-2000

Fifth Third's Financial Empowerment Mobile travels throughout the Bank's markets to reach neighborhoods in low- and moderate-income areas that have been traditionally underserved by banks. The mission of our Financial Empowerment Mobile is to take quality financial products and services directly to people and empower them to take control of their financial future. The Financial Empowerment Mobile is a 40-foot retrofitted vehicle staffed by Fifth Third professionals and equipped with onboard computer workstations and internet connectivity.

Calendar Access Here

Greater Cincinnati Urban League Financial Empowerment Center offers Financial Coaching with full-time financial coaches who provide a range of financial services to our individuals, including:
Budgeting, Savings and checking accounts, Understanding and building credit, Resolving debt, Preparing taxes, Accessing loans

Cincinnati Office:
(513) 281-9955 | 3458 Reading Rd, Cincinnati, OH 45229
Miami Valley Office:
907 W. 5th St. 2nd floor Dayton, OH 45402 | 937-226-1513


Advantage Credit Counseling Service, Inc.
Phone number - 888-511-2227

Advantage Debt Management of America
Address - 4424 Aicholtz Road, Suite H
Cincinnati, Ohio 45245
Dial (513) 563-4357 or 877-245-5435

Additional locations of this agency are located below. Each of them offer various forms of assistance for dealing with debts and other bills.

4015 Executive Park Drive Suite 150
Cincinnati, OH 45241
513-563-4357

5968 Glenway Avenue
Cincinnati, Ohio 45238
513-451-0442

LifeSpan, Inc
A community action agency that also helps with debt and credit services. They are federal government certified. Local Ohio families, including the working poor and seniors, can learn about programs that help with payday loans, enter into a Debt Management Plan (DMP), and apply for other free services.

Location: 1900 Fairgrove Avenue
Hamilton, Ohio 45011
Phone: 513-868-3210

Additional offices are at 7588 Central Parke Blvd. Suite 322, Mason, Ohio 45040 (phone 513-868-9220) as well as 1002 North University Blvd., Middletown, OH 45042 (dial 513-424-6888).