Trinity Debt Management (www.trinitycredit.org) is a nonprofit Christian-based debt relief organization offering services like Debt Management Plans (DMPs), Credit Counseling, Budgeting Assistance, and Financial Education. Their mission is to help individuals get out of debt through faith-based support and personalized repayment programs. While Trinity offers a compassionate and educational approach, their services might not suit everyone—particularly if you’re looking for more aggressive options like debt settlement or forgiveness.
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Company’s Snapshot
- Official Name: Trinity Credit Counseling, Inc. (DBA Trinity Debt Management)
- Official Website: www.trinitycredit.org
- Phone: (800) 793-9049
- Headquarters: 112 Gadsden St, Columbia, SC 29201
- Service Available in: Most U.S. states (confirm availability with a counselor)
- Nonprofit Status: 501(c)(3) nonprofit organization
Legitimacy, Ratings & Reviews
Trinity is an accredited nonprofit and a member of the National Foundation for Credit Counseling (NFCC). They have a strong reputation in the nonprofit space for ethical, education-first debt support.
- BBB Rating: A+ (Accredited Business)
- Google Reviews: 4.5/5 stars (250+ reviews)
- ConsumerAffairs: 4.3/5 stars (limited reviews)
- TrustPilot: Not actively listed
Trinity is a solid choice for consumers who are still current on payments but need help managing interest rates and budgeting. If you’re already behind or overwhelmed with debt, consider New Era Debt Solutions for faster relief and principal reduction.
Services Offered by Trinity Debt Management
- Debt Management Plans (DMPs): Consolidate unsecured debts into a single monthly payment with reduced interest.
- Credit Counseling: Work with certified counselors to assess your financial situation and build a custom action plan.
- Budget Planning: Learn how to track expenses, cut unnecessary costs, and stick to a realistic budget.
- Housing Counseling: Get support with mortgage issues, rental housing, or foreclosure prevention.
- Student Loan Counseling: Explore federal repayment and forgiveness programs with expert guidance.
Pros 👍:
- Nonprofit Mission: As a 501(c)(3), Trinity operates with a consumer-first mindset—not a profit motive.
- Faith-Based Support: Offers a spiritual, Christian-centered approach that appeals to many families.
- No Credit Score Damage: DMPs are structured to avoid hurting your credit (unlike debt settlement).
- Financial Education: Free access to budgeting tools, educational resources, and ongoing coaching.
Cons 👎:
- No Debt Settlement or Forgiveness: If you’re behind on bills or can’t afford to repay the full amount, this program may not help you.
- Monthly Service Fees: Trinity charges a small monthly fee for DMP administration, typically around $20–$50.
- Longer Payoff Timeline: DMPs typically take 3–5 years, longer than some settlement options.
- Limited Online Tools: Their online experience is more traditional and not as modern as some competitors.
Debt Types They Can Help With
Trinity works with unsecured debts only. Here’s a breakdown:
- Credit Card Debt
- Medical Bills
- Collections
- Unsecured Personal Loans
- Private Student Loans (case-by-case basis)
They do not help with tax debt, payday loans, car loans, business debt, or secured loans like mortgages.
Final Thoughts
If you’re financially stable but need structure and interest rate relief, Trinity Debt Management is a solid nonprofit option. However, if you’re behind on payments and looking for a faster, more aggressive way to cut your debt, our top-rated choice for 2025 is New Era Debt Solutions. They charge no upfront fees and have a stellar reputation across thousands of verified reviews.
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Frequently Asked Questions (FAQ) About Trinity Debt Management
1. Is Trinity Debt Management a nonprofit?
Yes. Trinity is a registered 501(c)(3) nonprofit organization. This means they operate under nonprofit guidelines, offer unbiased counseling, and typically charge lower fees than for-profit debt relief companies.
2. Will enrolling in a Debt Management Plan (DMP) hurt my credit?
Not directly. DMPs do not appear as a negative item on your credit report. In fact, many clients see their credit scores improve over time as they pay down their debt consistently. However, creditors may mark accounts as “enrolled in a DMP,” which some lenders may view less favorably during future credit checks.
3. How is Trinity different from debt settlement companies like New Era?
Trinity helps you repay your full balance at reduced interest through a structured plan. Debt settlement companies like New Era Debt Solutions negotiate with creditors to settle for less than what you owe. If you’re struggling to keep up with minimum payments or have already fallen behind, debt settlement may offer faster relief—though it can impact your credit more significantly in the short term.
4. Does Trinity charge upfront fees?
No. Trinity offers a free consultation. If you enroll in a Debt Management Plan, there may be a small monthly maintenance fee (usually $20–$50) and a one-time setup fee. These fees vary based on state laws and the complexity of your case.
5. Can Trinity help with student loans?
Yes, but their support is primarily educational. They can help you understand repayment options for federal student loans and may refer you to trusted third-party resources. They do not consolidate or refinance student loans directly.
6. Will creditors stop calling once I enroll in a DMP?
In most cases, yes. Once you enroll in a Debt Management Plan and begin making consistent payments through Trinity, creditor calls usually stop. However, it may take a few billing cycles for all accounts to update, so be patient.
7. What happens if I can’t make a DMP payment?
If you miss a payment, Trinity will work with you to get back on track. However, missing multiple payments may cause your creditors to remove any interest rate concessions or reassign the account to collections. Communicate with your counselor immediately if you’re struggling to stay current.
8. Can I still use my credit cards during a DMP?
No. Once you enroll in a DMP, your credit card accounts are typically closed. This helps prevent accumulating new debt while you’re paying off existing balances.
9. Is there a minimum debt amount required to work with Trinity?
There’s no strict minimum, but most clients have $5,000 or more in unsecured debt. The higher your debt load, the more cost-effective a DMP becomes in terms of interest savings.
10. Can I pay off my DMP early?
Absolutely. There are no penalties for paying off your Debt Management Plan early. In fact, Trinity encourages early payoff if your financial situation improves.
Amine is an entrepreneur, investor and financial writer that covers the US economy, inflation, alternative investments, cryptocurrencies and more. He has been involved in the space for over a decade.
