Manage My Credit

Stay in My Home

Reduce My Debt

Buy a Home

Payoff My Student Loans

Our Impact

Families Helped

$0 Million

Returned to Creditors


Credit Reports Run


Education Hours Provided

You too can make an impact!

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Empowering Financial Literacy

Helping the People of Southern Oregon

SINCE 1971

We are a local team of professionals and community volunteers dedicated to making Consumer Credit Counseling Service of Southern Oregon a regional leader for social and financial transformation. Understanding that financial health and security are a large part of the social determinant of health, we recognize and address the financial challenges of our clients. Through professional counseling and community-wide education, we endeavor to empower financial stability. We work with an array of community partners to improve the financial health of individuals, families, and communities.
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How it Works

We're here for you

We have highly trained financial counselors right here in Southern Oregon.

Get the help you need

We want to connect you with the best tools that can help your situation. 

Building dreams

You can reach your financial goals and transform your future and we can help you get there. 

Manage Credit
Reduce Debt
Payoff Student Loan
Buy a Home
Stay in My Home
Bankruptcy Counseling


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Bill's Budget Blog

Affordable Valentine’s Day
We are fast approaching Valentine’s Day and I just want to explore some non-budget-busting Valentine’s ideas that won’t destroy your budget and still keep some romance in the day. We all want the romance, and to tell that special person how much we care, but at the same time, let’s be budget conscious.  I’m as… Read More
New Years Resolutions-Save More Spend Less
Bill’s Blogs Ah, we made it through the holidays.  It’s time to celebrate a New Year full of hope and maybe a new resolution or two. OK, I need to confess: yes, I do make New Year’s resolutions (I suspect others of you do also, just maybe secretly and you don’t tell).  I have found… Read More
Count Your Blessings and Give Thanks
Our Sincere Thanks   This is the time of year to count your blessings and give thanks.  As the Executive Director of a community based non-profit, I want to express my sincere thanks to the many community foundations who provide grant funds to help us operate.  Without this outstanding support, we could not stay open… Read More
Student Debt
Bill’s blog This week I was talking to a friend who is a local college student, and he remarked that it’s finals time. That got me thinking about student debt.  I know too many friends who, well into adulthood, are still paying off some hefty student loans they accumulated years ago. For some, maybe even… Read More
Starting Over After an Emergency
The stories and photos coming from the deadly fires in California wine country and are so moving.  Entire cities, subdivisions and communities have been devastated by the fast-moving fires.  People are telling stories that they were able to escape with only their families and their pets before fire destroyed their homes. It’s heart breaking, and… Read More
What is a good credit score?
I was at a party with friends recently and someone asked me “what’s a good credit score?” I suspect that’s a question a number of folks ask.  A good score is generally considered to be around 700 or above, in a score range from 300-850.  However, this number is more of a loose guide than… Read More

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