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Their number one goal is to assist families all over the world by providing them with quality financial education programs, ongoing support through our credit counseling services, and solution-oriented financial programs. They have a financial literacy program where you can take courses on budgeting, using credit wisely, and savings strategies for credit challenged consumers. Whenever you complete the courses your name is to be submitted to the American Center for Credit Education to be included in a national database accessed by creditors and lenders– debt consolidation.