Springboard Nonprofit Consumer Credit Management, Inc. is a non-profit agency, headquartered in Riverside, California. The company's main goal is to provide financial help and give people access to quality financial education, counseling, assistance, and affordable housing.
The company offers a variety of services, including housing counseling, bankruptcy counseling, credit card counseling, and more. Within their credit debt counseling, customers can sign up for consumer credit counseling, credit card debt consolidation, and debt management plans. However, the website lacks key information, and consolidation services do not include a money-back guarantee. Additionally, the company may charge upfront fees.

Note: Springboard now operates through its subsidiary Credit.org. Read the review here.

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#1 8.7 9.8 Read Review
#2 8.3 9.8 Read Review
#3 8.3 9.5 Read Review
#10 3.8 -- Current

The Good

  • Credit Card Consolidation
  • Well-Accredited

Credit Card Consolidation

With Springboard's consolidation services, customers can enjoy assistance from expert credit card counselors and personal finance educators. The team provides helpful money management and personal finance tips throughout the process. Springboard's consolidation services offer the following benefits:

  • Customers just pay one convenient monthly payment to decrease the unsecured debt amount.
  • Springboard helps negotiate lower fees and creditor interest rates.
  • Additionally, Springboard helps customers create a household budget that helps save money and pay down debts.

Customers can request immediate consolidation help with a simple phone call.


Springboard has been in the business since 1974, and has more accreditations than many other companies in the industry. All counselors are certified by the NFCC and the CC, and the company is a member of the Southern California Better Business Bureau (BBB), National Foundation for Credit Counseling (NFCC), and the Financial Counseling Association of America (FCAA). Additionally, Springboard is accredited by the Council on Accreditation (COA), Housing and Urban Development (HUD), National Housing Counseling Association (NHCA), and the Homeownership Preservation Foundation (HPF).

The Bad

  • Fees
  • Lack of Transparency
  • No Money-Back Guarantee
  • Lack of Consolidation Resources


Springboard charges upfront fees of $0 to $50 and monthly fees of $35 or 8%.

Lack of Transparency

The website does not explain key aspects of the consolidation program. Springboard does not specify whether or not customers should expect late or cancellation fees and interest rates are not disclosed. While the company does provide a phone number for immediate phone help, Springboard doesn't indicate whether customers can sign up for a free, no-obligation consolidation consultation, a feature offered by many competitors.

No Money-Back Guarantee

Some top companies in the industry back up their debt consolidation programs with a money-back guarantee. Springboard does not explain whether or not its consolidation services include any kind of satisfaction guarantee.

Lack of Consolidation Resources

Springboard's website does not actually offer any consolidation educational resources. However, Springboard's parent company, Credit.org, does provide a personal finance blog, debt management help, a financial learning center, and credit counseling help. Springboard does not appear to offer a debt consolidation calculator or many specific consolidation resources. 

The Bottom Line

Springboard Nonprofit Consumer Credit Management, Inc. has been in the industry ever since 1974 and is well-accredited. The website explains Springboard's locations and debt management licensing very clearly. All information is also available in Spanish. However, the website lacks key information. It is unclear whether or not consolidation services include a money-back guarantee and not all fees are outlined. Springboard also does not state if it offers a free, no-obligation consolidation consultation (something that is standard in the industry). When looking into debt consolidation services, we recommend exploring companies who are more transparent and clear with their program information.

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