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American Financial Solutions, a nonprofit located in the U.S., has helped a quarter of a million people in the past 15 years. AFS has been able to help consumers pay off more than $42 billion in debt helping consumers take control of their finances. The company helps consumers with a variety of financial issues including credit counseling, debt management, bankruptcy counseling and foreclosure prevention. American Financial Solutions works to help families achieve their goals from homeownership to student loan counseling.

American Financial Solutions is a member of the National Foundation for Credit Counseling (NFCC) and is accredited by the Council on Accreditation (COA). American Financial Solutions maintains various partnerships with organizations across the nation including the Bank of Seattle and Habitat for Humanity.

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American Financial Solutions Reviews |


The Good

Company Highlights

  • In operation since 1999
  • Assisted consumers in paying off more than $42 billion in debt
  • Established partnerships
  • Certified counselors

Consumer-Focused Services

As proven by its role in helping consumers pay off more than $42 billion in debt since 1999, American Financial Solutions strives to help consumers take control of their finances. American Financial Solutions provides services focused on helping consumers reduce debt through debt management and preventing foreclosure.

Established Partnerships

The partnerships built and maintained by American Financial Solutions gives consumers a chance to access different programs and services. Partnerships are with different mutually beneficial organizations including financial counseling programs and higher education programs. American Financial Solutions has partnered with the following organizations:

  • City of Bremerton
  • Connection Credit Union
  • North Seattle Community College
  • Seattle Goodwill
  • Washington Access Fund
  • Neighborworks America
  • U.S. Department of Housing and Urban Development

Certified Counselors

American Financial Solutions invests in its team of counselors by certifying all of its counselors who work with consumers. The nonprofit requires its counselors to complete additional training and education to stay certified on an annual basis. All credit and housing counselors are certified by the Association for Financial Counseling and Planning Education and the National Foundation for Credit Counseling.

The training received by American Financial Solutions counselors result in consistent support on behalf of the consumers. American Financial Solutions works to have consumers work with the same counselors so that relationships of trust are built.

The Bad

Company Drawbacks:

  • Not available in all 50 states
  • Lack of transparency regarding interest rates

No Clear Promises on Improvement

American Financial Solutions does not let consumers know how much their annual percentage rates will be reduced to. This is important because consumers enlist the help of companies like American Financial Solutions to lower their annual percentage rates. American Financial Solutions can do better in sharing its results via case study to increase transparency and increase the confidence of consumers looking to get out of debt.


American Financial Solutions is available almost nationwide, which we commend them for. However, American Financial Solutions is available in 48 states. Some of American Financial Solutions competitors are available in all 50 states, which allows more customers to use their services. Currently American Financial Solutions does not offer services in the following states:

  • Michigan
  • New Hampshire

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The Bottom Line

American Financial Solutions is a team of certified counselors focusing on helping Americans improve their financial situation. The nonprofit company strives to  maintain healthy partnerships on a local and national level. While some aspects about American Financial Solutions may be attractive, the company is not as clear with key information as we would like. The company also charges a higher monthly fee than many other companies. It may be beneficial for potential clients to take advantage of the free consultation to see if American Financial Solutions can help lower your interest rates and save you money.

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1 American Financial Solutions Reviews

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    June 28th, 2016 San Diego, CA

    Horrible service and overpriced

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