Debt Management

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Get help eliminating your debt

If you’re drowning in debt, it might be time to seek help. Debt management assistance can help you get back on your feet. 

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Money Management InternationalUnion Plus Credit Counseling and Debt Management Plans are administered through Money Management International (MMI), a national nonprofit dedicated to changing lives and creating fresh starts for families and individuals struggling with financial challenges.

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How does debt management work?
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Debt and budget experts work with you to revamp your spending, create a repayment plan to help you successfully eliminate your debt, while negotiating perks like reduced interest rates and waived creditor fees.

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Start your Debt Management Plan
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Union members who need additional help eliminating debt can receive an enrollment fee waiver for the Debt Management Plan (DMP) available through Union Plus Credit Counseling. 

Plus, union members can receive a grant to reimburse the monthly DMP fees after 12 months of successful participation in the DMP. 

These grants are only available as long as funds last. 

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FAQ
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Your questions, answered.

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Who is eligible?
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You must be a union member or union retiree. 

For the Debt Management Plan (DMP) grants, you must enroll after January 26, 2009 in the Union Plus Credit Counseling DMP through our program provider, Money Management International (MMI) by calling 877-833-1745 (available 24/7) or completing the online enrollment form on the MMI site.   

To receive the grant, you must be successfully enrolled in the DMP for 12 months.  

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How do I apply?
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First, you must enroll in the Debt Management Plan (DMP) after January 26, 2009 at Money Management International (MMI) by calling 877-833-1745 (available 24/7) or completing the online enrollment form on the MMI site. 

After enrolling in the DMP, you will receive a welcome letter from MMI, the non-profit credit counseling program provider. The letter will include your MMI Client ID. 

After receiving your welcome letter, you must complete the online application form, and download and complete the Union Member Verification Form. Mail the Union Member Verification Form to the address below. 

After 12 months of participation in the DMP, MMI will send you a Certificate of Participation validating your participation in the plan. The certificate will indicate the total amount of monthly fees for which you will be reimbursed.  One year of your DMP fees will be reimbursed after completing 12 months in the plan. 

Mail the Certificate of Participation and Union Member Verification Form to: 

Union Plus DMP Grants 
1100 First Street NE, Suite 850 
Washington, DC 20002 

Once the certificate is received and you're approved for the grant, a check will be mailed directly to you. You can expect to receive your check within 6-8 weeks after we receive your certificate. 

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Look what people are saying
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The assistance we received certainly helped us deal with the realities of the situation.

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Thomas O.
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IAFF Local 90
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I made a phone call, and wow—one phone call to Union Plus—they really helped me out. It was incredible. It was almost like a dream.

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John S.
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IBEW
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What I’m so impressed by is the fact that Union Plus is providing benefits for and actually caring about hard working Americans.

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Meesha T.
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AFT Member
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Debt and budget experts can help you get back on your feet when you’re drowning in debt.