Money Management International Reviews

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Edited by: Tammy Burns

About Money Management International

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Money Management International (MMI) is a nonprofit debt relief and credit counseling organization that specializes in debt management plans (DMPs). It is also an Department of Housing and Urban Development-approved counseling service for foreclosure prevention and homebuyer education. There are over 35 locations across a number of states for face-to-face meetings, and telephone counseling is available 24/7 for all.

Pros
  • 24/7 telephone counseling
  • Many languages supported
Cons
  • Exact DMP fee not listed
  • No guarantees

What is Money Management International?

Money Management International offers debt management plans and credit counseling. Along with its paid services, it has several free financial education resources, including live webinars on how to avoid identity theft and manage your income. There are also free educational resources for military families.

You can find budget templates and podcasts and private workshops in select cities in both English and Spanish. Other languages might be available upon request through the help of an interpreter.

MMI meets industry standards regarding protecting and handling your personal data. Additionally, information is never shared with any third party and only collected with your express permission.

How does Money Management International work?

To get started with MMI, you will need to create a secure online account and share your income and expenses. The company can also pull some data from your credit report to save you time.

When that is complete, a counselor will analyze your information and provide money saving recommendations, a personal budget plan and a DMP. Counselors are available by chat, email and phone and can further customize your plan if you need it.

If it is determined that a debt management plan is right for you, MMI will negotiate with your creditors to reduce your interest rates and minimum monthly payments.

Money Management International products and services

Money Management International offers debt relief programs, counseling services and financial education. Many of these programs are offered for free, but there are some that have a flat-fee charge or ongoing monthly fee.

 Here are just a few choices available with MMI:

  • Credit card debt repayment
  • Debt management plans
  • Free online debt counseling
  • Credit counseling
  • Foreclosure counseling
  • Homebuyer counseling
  • Reverse mortgage counseling
  • Student loan counseling
  • Bankruptcy counseling

How much does Money Management International cost?

The debt management plan fee varies based on where you live and is set and regulated by your state. On average, customers pay a $33 initial setup fee and a $25 monthly fee for services.

The following services have a flat-rate fee:

  • Online homebuyer education courses: $35 to $99, depending on the course
  • Bankruptcy counseling: $50 (individuals or couples) (fees may be waived)
  • Reverse mortgage counseling: $199

Money Management International FAQ

How quickly can I start a debt management plan?

After you create an account and input all your financial information, MMI can give you a potential repayment plan in less than 15 minutes. If this proposed plan looks good, you can sign the agreement and make your first deposit immediately. However, this process can take longer if you need additional help.

Will a debt management plan hurt my credit score?

Your credit score may dip at the beginning as your credit accounts are closed, but this should be temporary. The goal of a debt management plan is to help you make consistent payments and reduce your overall debt. Both of these factors will have a positive impact on your credit score. MMI says that its average client sees a 90-point improvement after successfully completing the program.

Can I use a credit card while on a debt management plan?

Typically, creditors will require you to close credit cards that are being enrolled in a debt management plan. You might be able to keep one card open and off your DMP for emergency purposes.

How long do debt management plans last?

This varies by how much debt you have to repay, but most debt management plans are designed to be completed in five years or less.

Is Money Management International legit?

Money Management International is a legitimate company with history going back to 1958. MMI is a member of the National Foundation for Credit Counseling (NFCC) and says it has provided education, counseling and financial assistance to over 1 million consumers. It says that, on average, DMP clients reduce their interest rate to 7%, down from 24%, and pay off their debt in four years or less.

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Money Management International Reviews

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    Page 1 Reviews 0 - 5

    Reviewed Jan. 13, 2026

    I had an excellent experience with Money Management International (MMI). They helped me manage my debt in a way that felt organized, stress-free, and truly achievable. Over time, I was able to pay everything off in full, and I never had to worry about whether payments were being made on time to my creditors. MMI stayed consistent throughout the entire process, and their communication gave me peace of mind every step of the way. Any time I had questions or needed support, their customer service team was professional, patient, and genuinely helpful. They made sure I understood what was happening and always treated me with respect. Thanks to their guidance and reliable service, I’m now debt-free and in a much better financial position. I’m truly grateful for the support and would highly recommend Money Management International to anyone looking for a trustworthy debt management solution.

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    Sales & MarketingStaffBilling

    Reviewed Nov. 10, 2025

    Excellent program. After I had financial scam, I bought a huge amount of my credit card, I was very frustrated depressing I don't know what do I do? And you, my daughter found this program, and I start to join this program. They help me step-by-step and go through. So finally I made all my payment, I got no debt and free.

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      CoverageLoan ProcessRates

      Reviewed Nov. 6, 2025

      I began my journey to repair my finances and get out of debt first by looking into several different options and loan solutions, etc. I chose MMI and was very happy in every way. I felt the solution was extremely beneficial and fair and from the very beginning, everything that was explained happened just like they said. My interest rates were renegotiated while the balances remained the same but everything happened just as they said and all of my creditors were satisfied at the balances, with only the interest rates affected. I would highly recommend working with MMI.

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      Staff

      Reviewed Sept. 24, 2025

      My experience with Money Management International has been nothing but positive and helpful—and in many ways, life-changing. Their team guided me through a difficult financial period with compassion, clarity, and expertise. I felt supported every step of the way, and I’m now on a path to financial stability thanks to their services. I highly recommend MMI to anyone seeking trustworthy, nonprofit financial counseling.

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      StaffBilling

      Reviewed Sept. 16, 2025

      This organization was recommended to me by one of my credit card companies. I am very pleased that I received the recommendation. I found MMI easy to work with and very professional. The staff were outstanding and very knowledgeable. My participation went very smoothly and I had no negative experiences. I would highly recommend it to anyone seeking this type of financial advice and assistance. Do not be afraid of contacting them.

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      Staff

      Reviewed Jan. 12, 2026

      Money Management International was instrumental in helping with my debt. In a sense they were my advisor and attorney. We live by our mistakes, they took the time to help where others didn't. Thank you so much.

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      Staff

      Reviewed Nov. 24, 2025

      I had a great experience with MMI. It was an easy process, very professional. I was able to pay off my debt with a plan that worked for me. I can highly recommend this company. I have recommended them to other family members.

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      PriceStaffBilling

      Reviewed Nov. 7, 2025

      🌟 Highly Recommended! Working with MMI was a breath of fresh air. They showed incredible fairness and understanding, setting me up with a truly realistic and affordable payment plan. I strongly endorse their essential service.

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      Customer ServicePriceStaff

      Reviewed Oct. 7, 2025

      MMI gets an A+. Negotiated with creditors for favorable repayment option. Excellent communication, professional and personable. Super easy to deal with and representatives are caring and understanding. Go above and beyond to get you where you need to be. And all at NO cost to customer. Definitely recommend.

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      Customer ServiceStaff

      Reviewed Oct. 1, 2025

      The service is amazing and needs to be shared with families who are struggling financially. I had called a company to say I am in trouble and was then referred to Money Management International. From this point, I was put in touch with a representative who walked me through the entire process and helped me make a giant dent in my debt.

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      Money Management International Company Information

      Company Name:
      Money Management International
      Year Founded:
      1958
      Address:
      14141 Southwest Freeway, Suite 1000
      City:
      Sugar Land
      State/Province:
      TX
      Postal Code:
      77478-3494
      Country:
      United States
      Website:
      www.moneymanagement.org