American Financial Solutions Review


American Financial Solutions (AFS) is a nonprofit 501(c)3 financial education and credit counseling agency offering both debt management and other debt solutions. Founded in 1999 as a division of North Seattle Community College Foundation, today it has established itself one of the largest and most well regarded agencies of its kind, serving thousands of clients across the United States every year.

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Minimum Debt AmountMaximum Debt AmountFees
$0None specifiedMany services are free; one set up fee and a small monthly maintenance fee

How it Works

Initiating the settlement process is quite simple with American Financial Solutions. Simply call during business hours, live chat, or email to set up a counseling appointment and be assigned your personal credit counselor, who will work with you throughout your time with American Financial Solutions. Your first counseling session will take approximately an hour (though some plans may take longer to hammer out). Be sure to have information about your income, liabilities, and monthly budget on hand. During the session, your credit counselor will ascertain your financial goals and outline an action plan that best suits your needs. Action plans usually combines a variety of options (debt management, referrals to other agencies, or other payment tactics) into one personalized plan tailored to your individual circumstances. Although the ultimate goal of the process is to condense your debt into one practicable monthly payment, American Financial Solutions is not a debt consolidation company; rather, it aims to craft a plan that does not require you take out additional loans.


The strong educational component of American Financial Solutions’ mission has ensured that the site provides extensive resources to beef up on your financial literacy (with a strong emphasis on debt solutions, naturally). In addition to its extensive resource center, you can consult its blog, FAQ, video tutorials, and bookstore. Perhaps its most useful feature is the opportunity to take online money management and financial literacy courses: at the conclusion of the class you are awarded a certificate, which you may send to credit bureaus to append to your credit report.
American Financial Solutions is also well integrated with social media, including
Facebook, Twitter, Google+, and YouTube, and is proud to offer information in Spanish on their user-friendly website.


American Financial Solutions boasts a coveted A+ rating from the Better Business Bureau. In addition, it is a member of the Association of Independent Consumer Credit Counseling Agencies, and is also accredited by the Council on Accreditation (COA).


As a nonprofit, American Financial Solutions aims to offer as many services as possible free of charge. Debt management plans incurs a one-time set up fee and a small monthly maintenance fee.

Quality of Service

American Financial Solutions offers no less than five phone lines for various financial topics of concern. American Financial Services keeps expanded business hours, with counselors available to assist you Monday through Friday 6:00am - 6:00pm and Saturday 7:00am - 3:30pm Pacific Standard Time. American Financial Solutions also offers live chat service, or you may get in touch with counselors by email or online form.
As a nonprofit, American Financial Solutions offers counselors whose sole motivation is to help you—not maximize the company’s take.


263 4th Street

Bremerton, WA 98337

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