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Trinity Debt Management review

Can this faith-based program get you out of debt?


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Editor's choice: Freedom Debt Relief

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  • Leader in debt negotiation
  • No upfront fees
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Trinity Debt Management is a nonprofit that offers credit counseling, housing counseling and student loans. Though it claims to help clients pay down their debt in as little as three to five years, its website lacks transparency and services may not be available in your state.

Trinity Debt Management details

  • Free consultation. Complete an online form.
  • Costs. N/A
  • Types of debt accepted. Unsecured debt
  • Services offered. Debt management, credit counseling, housing counseling, student loans
  • Minimum debt considered. None
  • Typical turnaround. Three to five years
  • Ratings, accreditation and memberships. 9.3 TrustPilot, FCAA accreditation, ISO certified
  • Direct or third-party negotiations. Direct.
  • Service limitations. Undisclosed. Interested consumers will need to contact Trinity directly to find out if its counseling services are available in their area.
  • Free resources or tools. Trinity’s website includes links to financial resources that cover topics ranging from budgeting to credit reports and cash advance loans, plus its own library of ebooks.
  • Customer service options. Phone, email

How much does it cost?

Since Trinity doesn’t provide any information about fees online, it’s difficult to estimate the cost of the program. This lack of transparency also makes it difficult to compare Trinity to other debt management companies.

Online customer reviews mention low monthly fees, but you’ll have to contact Trinity directly to determine what fees you would be charged.

How much could I save with Trinity Debt Management?

Trinity’s debt management program is designed to lower your interest rates to help you pay down your debt faster. Trinity claims it can lower interest rates to between 5% and 10%.

What are the pros and cons of Trinity Debt Management?


  • One consolidated monthly payment. Trinity works with your creditors to combine all of your debts into a single payment.
  • Lower interest rates. Credit card issuers may lower the annual percentage rates to between 5% and 10% once you join a debt management program.
  • Online account. Trinity provides an online client login for customers to manage their account and track progress.


  • Lacks accreditation. Although the company is accredited with the FCAA, Trinity is not accredited by the NFCC or the BBB.
  • Lack of transparency. Trinity’s website is missing key information, such as the cost of monthly fees and average interest rates. This makes it difficult to compare with other companies.
  • Undisclosed service limitations. Trinity doesn’t list the states its services are available in, making it difficult to gauge if services are available in your area.

Compare debt relief companies

Data indicated here is updated regularly
Name Product Costs Requirements
Freedom Debt Relief
Monthly payment based on enrolled debt, no upfront fees
Must have at least $7,500 in unsecured debt and live in a serviced state.
Freedom Debt Relief is a debt settlement company that works to help people with unmanageable, unsecured debt get back on their feet.
National Debt Relief
18–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
Get back on your feet with a top-rated debt relief company that works with multiple types of debt.
Accredited Debt Relief
Charges and fees vary by the company you're ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
Pacific Debt
15%–25% of total debt enrolled. Fees vary by state of residence.
Reside in a state where PDI’s services are available and have $10,000+ of debt to enroll
Consolidated Credit
Fees regulated by client's state of residence, can range from$0 to $69 with an average monthly fee of $35. No upfront or contingency fees.
Debt must not be payday loans or secured loans.
This debt settlement alternative can help you find a path to financial freedom.
American Credit Card Solutions
No upfront costs — settlement fees range from 15% to 25%, depending on your state of residence and amount of debt.
Must live in a state that American Credit Card Solutions serves, $10,000+ in unsecured debt, legitimate financial hardship which is preventing the ability to pay creditors
Overall positive customer ratings — but it's only available in 25 states.

Compare up to 4 providers

Before you sign up with a debt relief company

Debt relief companies typically charge a percentage of a customer’s debt or a monthly program fee for their services. And they aren’t always transparent about these costs or drawbacks that can negatively affect your credit score. You might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.

Consider alternatives before signing up with a debt relief company:

  • Payment extensions. Companies you owe may be willing to extend your payment due date or put you on a longer payment plan if you ask.
  • Nonprofit credit counseling. Look for free debt-management help from nonprofit organizations like the National Foundation for Credit Counseling.
  • Debt settlement. If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. Collection agencies are often willing to accept a lower payment on your debt to close the account.

What does the Internet say about Trinity Debt Management?

Trinity is rated highly on Trustpilot, with a score of 9.3 and 173 reviews. However, the fact that the company is not accredited by the Better Business Bureau is concerning. The only information you’ll find on Trinity’s BBB page are two complaints filed, one regarding billing and collection issues and another regarding problems with the service.

Positive customer reviews center on solid customer service and helpful agents. Many clients say they like the fact that Trinity is a Christian organization that successfully helped them pay down their debt.

Is it safe to use Trinity Debt Management?

Trinity is accredited by the FCAA and ISO, but it lacks additional accreditations that are considered standard for debt management companies. Trinity isn’t accredited by the NFCC or BBB. These accreditations are important because they ensure debt management companies are operating under key industry standards and can guarantee a minimum quality of service.

How do I sign up?

To register for a free debt analysis, visit Trinity’s website and do the following:

  1. Click Get Started Now to launch a registration form
  2. Click Sign Up Now to begin
  3. Create a login ID
  4. Provide your contact information, accounts and budget

I’ve signed up. What’s next?

Once you complete Trinity’s online application, a credit counselor will contact you within 24 hours. The counselor will perform a complete analysis of your financial situation and determine a payment plan designed to meet your needs.

  1. Wait to be contacted. A Trinity credit counselor will contact you within 24 hours of signing up.
  2. Debt analysis. The counselor will perform a complete analysis of your financial situation.
  3. Set up a payment plan. After your financial analysis has been completed, your counselor will then determine a payment plan designed to meet your needs.
  4. Pay down your debts. Once you’ve locked yourself into a payment plan, start making payments and see them through until you are debt free.

More about Trinity Debt Management

With over 20 years of experience, Trinity has worked with thousands of people through its debt management program, community outreach and educational programs. The company has a wealth of educational information online, including ebooks and links to financial resources.

Bottom line

Trinity’s debt management program has the potential to get customers out of debt quickly and efficiently. But despite the age and experience of the company, it lacks accreditation by the BBB and NFCC.

Before making a decision, evaluate your debt management program options.

Frequently asked questions

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