Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Personal Finance Debt Relief Trinity Debt Management 2025 Review: Christian-Centered Debt Relief? Updated Jun 23, 2025 6-min read Reviewed by Lindsay VanSomeren Reviewed by Lindsay VanSomeren Expertise: Mortgages, personal loans, student loans, auto loans, banking, budgeting, debt, insurance, credit cards, credit Lindsay VanSomeren is a personal finance writer living in Suquamish, Washington. She's passionate about helping people learn how to manage their money better so that they can live the life they want. In her spare time, she enjoys outdoor adventures, reading, and learning new languages and hobbies. Learn more about Lindsay VanSomeren Learn More 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 offeredCredit counseling; Debt management plans for credit cardsDebt management plan feeInitial fee: Not disclosed; Monthly fee: $8 – $50 ($34 avg)Average savings$110/monthAverage interest rate reduction14%Average program length3 – 5 years It’s important to find a source you can trust when it comes to dealing with your debt. Trinity Debt Management claims to do this for people with Christian beliefs by helping them shed credit card debt with a structured debt management plan, or DMP. We’ll take a closer look in this Trinity Debt Management review to help you decide whether it’s worth working with this agency—or whether another debt relief option might be better. Table of Contents What it is How it works Debt management plan How long it takes Is it right for me? Cost Reputation Pros and cons How to get started Alternatives What is Trinity Debt Management? Trinity Debt Management is based in Cincinnati, Ohio, and has been offering credit counseling services since 1994 to residents of most, but not all, U.S. states. It’s also a nonprofit organization, as most credit counseling agencies are. The primary factor that distinguishes Trinity from other credit counseling agencies is its emphasis on operating a Christian-based firm. It is, however, rather limited in what it can offer you, with just two primary service categories listed on its website: Credit counseling: Typical for credit counseling agencies, you’ll get a free consultation with a credit counselor who can review your budget and make recommendations on how to solve your financial problems. Debt management plans: Another standard credit counseling agency offering, Trinity can serve as a go-between for you and your credit card companies to negotiate a lower rate. You’ll then send one payment to Trinity, which distributes it to your creditors until they’re fully repaid. 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. LendEDU’s List of Personal Finance Companies 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? 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. 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. Trinity Debt Management 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: Gather your financial details and thorough information on each of your debts. Contact the company by filling out a form on its website or by calling 1-800-793-9049. 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’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. People often turn to for-profit debt settlement companies when they’re in the market for the same types of debt help that nonprofit credit counseling agencies can provide. Financial experts generally advise choosing a credit counseling agency, though, since it comes with fewer risks and better outcomes. For example, while debt settlement isn’t right for everyone, it can be a lifeline for those facing significant unsecured debt who aren’t eligible for a DMP or bankruptcy. Among the most trusted for-profit debt relief companies is National Debt Relief, which our team rated highest based on customer satisfaction, transparency, and overall effectiveness. The company says it helps customers reduce their enrolled debts by up to 25% after fees, typically within 24 to 48 months. That said, debt settlement comes with trade-offs: It may not resolve all debts, and success isn’t guaranteed. If a settlement is reached, you may owe taxes on forgiven amounts, and pausing payments can temporarily harm your credit. Still, for some, National Debt Relief offers a credible, structured path toward becoming debt-free.