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