Trinity Debt Management 2025 Review: Christian-Centered Debt Relief?

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Our take: Trinity Debt Management offers a faith-based approach to credit counseling and debt management plans, but it’s more limited than other nonprofit agencies and has mixed customer reviews. It may work if you want a Christian-centered option, but many borrowers may find better support, transparency, and outcomes elsewhere.

Debt Management Plan

• Long-established agency
• Christian-centered practice

• Mixed reviews
• Few service offerings
• Limited communication
• Not available in some states
• Doesn’t tell you all the details upfront
• Not accredited by leading industry groups 

Services offered	Credit counseling; Debt management plans for credit cards
Debt management plan fee	Initial fee: Not disclosed; Monthly fee: $8 – $50 ($34 avg.)
Average savings	$110/month
Average interest rate reduction	14%
Average program length	3 – 5 years

Trinity Debt Management is a long-running nonprofit credit counseling agency that positions itself as a Christian-centered source of support for people trying to manage credit card debt.

If you’re searching for Christian debt relief, Trinity may feel like a natural fit, but its services are limited compared to broader nonprofit agencies, and its customer reviews are mixed. This review breaks down how Trinity works, what it costs, and when another option, nonprofit or for-profit, might serve you better.

Table of Contents

1. What is Trinity Debt Management?
2. How does it work?
   1. Does Trinity offer debt consolidation?
   2. How does the debt management plan work?
   3. How long does it take?
3. Is Trinity right for me?
4. Costs
5. Is Trinity Debt Management legit? Customer reviews
6. Pros and cons
7. How to get started
8. Alternatives

What is Trinity Debt Management?

Trinity Debt Management is based in Cincinnati, Ohio, and has offered credit counseling services since 1994. As a nonprofit organization, it functions much like other credit counseling agencies: helping people build budgets, understand their credit, and repay unsecured debt through a structured debt management plan.

What sets Trinity apart is its emphasis on Christian debt relief, positioning itself as an agency for borrowers who prefer a faith-aligned atmosphere. That said, its service menu is narrower than that of many other nonprofit agencies, which often provide foreclosure prevention, bankruptcy counseling, housing support, or broader financial education.

How does Trinity Debt Management work?

As with other credit counseling agencies, Trinity Debt Management’s main starting point for clients is a free one-on-one credit counseling session. You’ll need to collect records and information beforehand because you’ll be taking a deep dive into your finances, including your income, expenses, and debts. 

From there, the credit counselor can help identify financial problem areas that are holding you back and suggest possible avenues to fix them. Many other credit counseling agencies can offer additional support, such as helping to prevent foreclosure or providing official bankruptcy courses, but not Trinity. 

From here, Trinity only offers one additional program to help you pay down credit card debt.

Does Trinity Debt Management offer debt consolidation?

No; Trinity Debt Management does not offer debt consolidation loans. This is a common point of confusion because many people search for “Trinity debt consolidation” or “Christian debt consolidation companies” when they’re actually looking for a way to combine multiple debts into a single loan.

A debt management plan (DMP) is different:

• A consolidation loan replaces your existing balances with a new loan (usually from a bank or lender).
• A DMP keeps your existing accounts but lowers your interest rates, waives certain fees, and gives you one structured payment through the credit counseling agency.

People often mix up the terms because both solutions simplify repayment, but only consolidation loans involve new financing. Trinity exclusively offers DMP support for credit card debt and does not issue or broker loans.

How does the debt management plan work?

If you enroll in a DMP, Trinity will reach out to your creditors to negotiate payment support, such as waiving late fees or lowering your interest rate. Trinity is often able to lower credit card interest rates from 22% to 8%, which is fairly typical. Your creditors will then close your accounts.

You’ll then make one payment each month to Trinity, which will take out its fee and distribute the funds to your creditors until the balance is paid off.

How long does the process take?

According to Trinity, most customers take three to five years to complete their DMPs. That’s right in line with industry standards.

Is Trinity Debt Management right for me?

Many devout Christians prefer to work with companies that share their values. If that’s the case for you, Trinity might be a great option, particularly if credit card debt is your only real financial problem. 

You should know, however, that you might be sacrificing a bit if you want better customer service or need additional types of help that Trinity doesn’t provide.

How much does Trinity Debt Management cost?

Typically, credit counseling is free, thanks to the fact that these agencies are nonprofit organizations. Trinity doesn’t provide any information on whether that’s true for its own customers, however. 

Trinity also doesn’t provide any information on how much it costs to enroll in its DMPs. Most agencies charge up to $75, for reference. After that, Trinity will charge a recurring fee ranging anywhere from $8 to $50, which it will take out of your monthly payment. Most customers pay $34 per month.

Is Trinity Debt Management legit? Customer reviews

Yes, Trinity Debt Management is a legitimate nonprofit organization that provides services in most U.S. states. Here’s how customers rate it across two platforms:

• Google: 4.3/5 (24 reviews)
• Trustpilot: 1.3/5; 181 reviews

A few reviewers note the friendly Christian-focused atmosphere, such as one person who said that when Trinity wasn’t able to help, the counselor did offer to pray for them.

Trinity Debt Management complaints

Several more reviewers mention that their monthly payments increased under Trinity’s plan, and that the agency paid their credit cards late, which damaged their credit. 

Pros and cons

It often helps to see specific pros and cons laid out when analyzing companies. Here’s how Trinity Debt Management stacks up:

Pros

• Long-established agency

  The agency got its start in 1994, more than three decades ago.

• Christian-centered practice

  Trinity says it focuses on helping Christian families. It’s not clear how that affects the actual service you receive; however, some reviewers mentioned agency employees referencing religious practices. 

Cons

• Mixed reviews

  Experiences from actual customers seem to be few and far between. While there are several positive reviews, we also noticed a higher-than-average proportion of unhappy customers. 

• Few service offerings

  Unlike other credit counseling agencies, which offer multiple types of support, Trinity only does two things: credit counseling and—for those who need it—debt management plans, but only for credit cards.

• Limited communication

  According to Google, Trinity is only open weekdays from 10 a.m. to 6 p.m. Eastern, which isn’t accessible for many people. We also didn’t hear back from the company at all when we reached out asking for more information. 

• Not available in some states

  Trinity doesn’t offer debt management plans in Kansas, Montana, Nevada, New York, or Rhode Island.

• Doesn’t tell you all the details upfront

  Most credit counseling agencies charge an initial setup fee and collect data on success rates, which they post on their website for customer trust and transparency. Trinity Debt Management doesn’t do this. 

• Not accredited by leading industry groups

  Trinity isn’t accredited by reputable industry organizations like the National Foundation for Credit Counseling or the Financial Counseling Association of America.

How to get started with Trinity Debt Management

If you’re interested in scoping out your options with Trinity Debt Management, here’s how you can get started:

1. Gather your financial details and thorough information on each of your debts. 
2. Contact the company by filling out a form on its website or by calling 1-800-793-9049.
3. A credit counselor will contact you within one business day to complete a free credit counseling session and go over your options.

Alternatives

If you specifically want Christian debt relief, Trinity is one of only a few nonprofit agencies that explicitly frame their services around faith-based values. However, many borrowers, Christian or not, may benefit from broader nonprofit organizations that offer more support options, stronger customer service ratings, and clearer upfront pricing.

If you’re willing to expand your options, here are two excellent alternative nonprofit companies to consider:

• Apprisen: Offering a much broader range of services at a slightly higher price point, Apprisen earns higher ratings from its customers than Trinity. 
• Cambridge Credit Counseling: Typical Cambridge customers pay slightly less for a DMP than Trinity customers, and they also benefit from a wider range of support options and better customer service ratings. 

For those dealing with deeper financial hardship or who aren’t eligible for a DMP, reputable for-profit debt settlement companies like National Debt Relief can provide a more aggressive path toward resolving unsecured debt, though with higher risks.