Quick Facts
Full Review
Cambridge Credit Counseling doesn't have the biggest name, but they have some of the cleanest numbers in the business. Founded in 1996 in Agawam, Massachusetts, they've held BBB A+ accreditation since 1998 and have logged just 2 BBB complaints in the past two years. On Trustpilot, they sit at 4.9 stars. On ConsumerAffairs, 4.8.
How Their DMP Works
Free counseling, then DMP enrollment if it fits. Setup fees cap at $75 and monthly fees cap at $50, with the average client paying around $30/month. Cambridge says their negotiated rate reductions save the average client about $142 per month in interest, which means the DMP fee pays for itself several times over.
That $142/month savings figure is worth pausing on. If your creditors are charging you 22% interest and Cambridge gets that down to 8%, the monthly interest savings on $15,000 in debt would be roughly $175. So $142 as an average is plausible and conservative.
What Customers Say
Recent reviews from late 2025 and early 2026 are consistently positive. Customers mention no hidden fees, responsive service, and counselors who explain things clearly. With only 2 complaints in two years, there's not much negative data to analyze. That's either a sign of excellent service or a smaller client base, or both.
Who Should Consider Cambridge
Cambridge is a strong pick if you want a lower-profile agency with excellent numbers and a $50 monthly fee cap. They don't have the massive marketing machine of Consolidated Credit or the brand recognition of MMI, but the results and reviews suggest they deliver consistent quality.
Pros and Cons
Pros
- BBB A+ since 1998 with only 2 complaints in two years
- 4.9 stars on Trustpilot, 4.8 on ConsumerAffairs
- Monthly fee cap of $50 with $30 average
- Average client saves $142/month through rate reductions
- No hidden fees reported in recent reviews
Cons
- Less brand recognition than the largest national agencies
- Smaller client base means less data to evaluate
- Setup fee can reach $75
- DMP takes 3-5 years to complete
Where to Read More
Read reviews on: Trustpilot, BBB, ConsumerAffairs
What CFPB complaint data says about Cambridge Credit Counseling
We pulled the Consumer Financial Protection Bureau's public Consumer Complaint Database on May 20, 2026. Since January 2024, consumers have filed 2 complaints against Cambridge Credit Counseling that the CFPB sent to the company for response.
Top reported issues
- Communication tactics (50%)
- Didn't provide services promised (50%)
How the company responded
- Closed with explanation: 100%
- Closed with monetary relief: 0%
- Closed with non-monetary relief: 0%
- Closed without relief: 0%
- Responded on time to 100.0% of complaints
What consumers told the CFPB (in their own words)
"This non-profit company charged me {$50.00} up front for credit repair services. They never mentioned to me that there is a chance the creditors would deny my payment plan. They also never mentioned that the creditors would continue to post negatively on my credit report."
Anonymized complaint filed August 18, 2025, SC (CFPB Complaint ID 15334774)
Nicholas D.'s take on this data
Cambridge Credit Counseling shows just 2 CFPB complaints since January 2024, far too few to draw conclusions from and a low figure for a nonprofit counseling agency. One concerned communication practices and one a service-delivery dispute, and both were answered on time. The federal complaint record gives no reason for concern. Evaluate Cambridge the way you would any DMP provider: confirm the interest-rate concessions it can secure from your specific creditors, and make sure the single monthly payment is one you can sustain.
Source: CFPB Consumer Complaint Database. Data pulled May 20, 2026 by the Reduce Your Balances editorial team and reviewed by Nicholas D., Debt Professional.