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Trinity Debt Management

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LAST UPDATED: March 28th, 2022

Trinity Debt Management (TDM) is a Christian debt management company and was founded in 1994 as a non-profit organization designed to foster effective personal money management skills and to help individuals pay off unsecured debt, including debt from a credit card. The company works with your creditor(s) on your behalf to lower the interest rates you are currently paying and consolidate your monthly payments into one lower bill.

Trinity Debt Management does not offer debt settlement or debt consolidation services. Instead, TDM offers debt management services, credit counseling, housing counseling, and advice for those struggling with student loans.

Many people who enroll in the company’s debt management program are able to become debt free in just 3-5 years. According to the company, enrolling in its management plan can save borrowers as much as 60 percent on late fees and improve their credit score. Trinity Debt Management offers certified debt counselors and a free consultation to interested clients. Additionally, the company is accredited by the Financial Counseling Association of America (FCAA) and is ISO certified.

TDM does not have an NFCC accreditation and does not disclose its state availability. Continue reading for more information about the company, as well as verified Trinity Debt Management reviews. Or take a look at the top debt relief companies to find one that suits your needs at a fair price.

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The Good

  • Experience
  • Client Login
  • Certified Credit Counselors
  • Low Interest Rates
  • Nonprofit
  • Online Financial Educational Resources


Trinity Debt Management has been around for over 20 years, which is significant, given that experience is essential in the debt management industry.

It often means a company has better-established relationships with creditors (meaning lower rates for its clients), more expertise in helping clients change their financial situation, and extensive knowledge about paying off unsecured debt, such as a credit card or personal loan. Trinity Debt Management has been in business longer than many competitors. 

Additionally, Trinity Debt Management is accredited by the Financial Counseling Association of America (FCAA). This ensures that financial counselors adhere to strict quality service standards and practices. The company is also certified by the International Organization for Standardization (ISO), which ensures that the company is following the best standard procedures and practices for the industry.

Client Login

Another great aspect about Trinity Debt Management is an online client login for company customers to view their account information, track their progress, and stay up to date on their debt management program.

This allows customers to constantly be informed on their management plan and monitor how long it will take them to become completely debt free. This feature is not offered by all debt management companies. 

Certified Credit Counselors

This company employs certified credit counselors. Many clients with credit debt prefer debt management companies to a debt settlement program or a debt consolidation loan because debt management is more protective of the client's credit report. Credit counseling will help clients get out of debt with minimal damage to their credit score. A credit counselor is trained to perform a complete financial analysis, assist consumers in developing a budget, and find the best possible solution to their debt problems.

If a debt management plan is the best option, a credit counselor will create a debt management program to get rid of credit card debt as quickly as possible without damaging the individual’s credit score. A debt management plan usually targets unsecured debt such as credit card debt and personal loans. Each Trinity credit counselor is also trained to give advice about bankruptcy issues, student loans, and alternatives to auto loan refinancing.

New clients receive a free consultation to help them learn all of their debt relief options.

However, you should be aware that while Trinity Debt Management does employ certified credit counselors, it is not a credit repair company. If your credit is already in bad shape, you might want to check out a credit repair company that is in the business of helping clients recover from a bad credit history and thus offers credit repair services.

Low Interest Rates

Trinity’s website states creditors usually lower the interest rate to between five and ten percent. This is competitive for the industry. A lower interest rate can lead to a lower monthly payment and great overall savings.

However, the company’s average negotiated interest rate is undisclosed. Interested consumers will need to speak directly to TDM to find out more information about these lower rates. 


A lot of debt relief agencies are for profit, so the fact that Trinity Debt Relief is a Christian, nonprofit organization makes it a more appealing option for some prospective clients. While a lot of for-profit debt relief agencies are just as accredited or even more qualified to provide debt relief, working with a nonprofit can sometimes provide you more peace of mind than working with a for-profit company.

Online Financial Educational Resources

TDM has a very helpful website where users can read and learn a lot about debt relief and the different options that are available to help them become debt-free. While Trinity Debt Management only offers debt management services and does not provide debt consolidation or debt settlement, it still provides information about these debt relief services. This shows a level of transparency on the part of the company and helps you as a potential client get an idea of whether or not Trinity will be able to provide the services you are looking for, or if you should choose a different company.


The Bad

  • Missing Information
  • No NFCC Accreditation
  • No Available State Information

Missing Information

There are a lot of unknowns with TDM. Trinity does not have any available information about an upfront fee or monthly fees. Credit counseling agencies, even non-profit organizations, typical charge a setup fee and a monthly fee for their services. This information is important for those looking to overcome unsecured debt, such as debt from a credit card. If a debt management plan does create a lower monthly payment, it may not be the best option.

Additionally, many competitors provide more information about reduced interest rates. Trinity Debt Management does not give an average reduced rate. The limited amount of information makes it difficult to compare the overall cost with other debt management companies in the industry.

Missing Accreditations

Although the company is accredited with the FCAA, TDM is not accredited by the National Foundation for Credit Counseling (NFCC) or the Better Business Bureau (BBB).

The NFCC regulates the nonprofit credit counseling industry, and regularly audits its members to ensure they are complying with best practices for the industry. Other companies of this size and with this much experience usually have at least one if not both of these accreditations (FCCA and NFCC). In addition, Trinity Debt Management lacks an accreditation from the BBB, which sets standards for ethical business practices.

Not Available in All States

One important aspect that we take into consideration when scoring companies is what states they service. Some companies service all 50 states while others only offer services to a select few. Trinity Debt Management does not offer debt management plans in five states: Kansas, Montana, Nevada, New York, and Rhode Island. If you reside in one of these states, you will not be able to use TDM's services.


The Bottom Line

Although Trinity Debt Management has been in business for a long time and has many attractive features (nonprofit status, credit counseling services, lower interest rates, an accreditation with the FCAA, and a free consultation with a certified credit counselor), there are many unanswered questions about the company's offerings.

Trinity provides little information about the interest rates it can secure, and it is not accredited by the NFCC. Furthermore, the company does not disclose its upfront or monthly fees.

Unfortunately, between the company's social media pages, Best Company reviews, and the company's website, there are very few Trinity Debt Management reviews. As such, it will be difficult for customers to gauge customer satisfaction rates. It seems that the company is not actively encouraging such reviews.

Trinity Debt Management may be a great debt relief company, but with all of these negative factors combined, TDM does not make it to the top of the list, especially for customers who are interested in debt consolidation or debt settlement. In comparison, there are other companies that are more transparent with their services and other pertinent information, such as Freedom Debt Relief or Consolidated Credit Solutions. Therefore, we cannot recommend Trinity Debt Management at this time but suggest looking into other top-ranked debt management companies.

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Dan Householder Frederick, CO

I used Trinity back in 1997 and they were great! I met with a counselor, brought in all my statements and they worked it all out. There was no start-up fee, and I believe there was a very small monthly fee... something like $15? It was such a relief! When creditors called I gave them my account number with Trinity and sometimes the phone number. Some of them already had the number. I had a manageable payment, my interest rates went down, some immediately, others after a couple months of on-time payments. I made one payment to Trinity. It was not a loan, they were just the middle man. My experience with them is dated, but I can say it was a very positive experience for me.

8 years ago


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Andrea Thomas Tacoma, WA

We used Trinity Debt Management during our first couple years of marriage to get our life on track. They were amazing in all aspects; customer service, consolidation, debt reduction, lowering payments, and so much more! I HIGHLY recommend TDM to anyone seeking credit card consolidation.

2 years ago