About Us

KOFE: The one source for total financial education.

KOFE is the one source where consumers receive financial coaching and educational instruction, using online tools and personal interaction. By combining both, we maximize the learning process, which enhances a person’s ability to become financially independent.

Consumer receives financial coaching by phone

Our qualified financial coaches and compelling educational tools provide practical lessons on money matters that individuals can use every day. This powerful knowledge not only improves their financial health, it also eases the emotional turmoil that economic struggles bring.

We have over two decades of experience and have helped more than 5 million people become better money managers. If you need relief from credit card debt, financial coaching, advice on housing, or expert tips on successful budgeting and more, KOFE can help.

Client Reviews

We have partnered with Consolidated Credit since April 2016. The implementation went smoothly and the staff orientation was thorough. We particularly appreciate having speakers and financial coaches available for in-person events. The entire Consolidated Credit staff has been welcoming and supportive - they genuinely want to help our members succeed!

We Florida Financial

Consolidated Credit has been a true partner in providing resources and one on one counseling opportunities to assist our clients in better understanding and handling the financial challenges they face on a daily basis.

Hispanic Unity of Florida

We sincerely believe the resources, experience, and expertise that Consolidated Credit shares either through on-site workshops, private consultations with a counselor, participation in our benefit fairs, educational booklets, budgeting tools as well as other avenues, has a positive impact.

Miami-Dade County

KOFE, by Consolidated Credit, has been extremely proactive in providing timely financial literacy resources to our members via their website, seminars, webinars and marketing materials. This is crucial in a time when there is limited information available to educate our members and our community.

Gold Coast Federal Credit Union

Credit Card Debt Statistics for American Households

  • The total U.S. public debt is over $12 trillion as of April 2014
    -Bestdebtcompany.com
  • 76% of American consumers are living paycheck-to-paycheck.
    -Bestdebtcompany.com
  • 28% of Americans have more credit card debt today than they have in a savings fund.
    -Time Magazine
  • 1 in 10 consumers has more than 10 credit cards.
    –Business Insider
  • Currently, the average credit card debt per U.S. household is $15,270, and in total, Americans owe $856.9 billion in credit card debt, based on American Household Credit Card Debt Statistics as of January 2014.
    -USA Today
  • $51 billion worth of fast food was charged to credit cards in 2006, compared to $33.2 billion the previous year.
    –Business Insider
  • Roughly 2 – 2.5 million Americans seek the help of a credit counselor each year to avoid bankruptcy.
    –Business Insider
  • 56% of Americans have no idea what their credit score is.
    -Bestdebtcompanys.com
  • Percent of families whose debt exceeds 40% of their income is 14.7%
    -Statisticbrain.com
  • Only 35% of people have checked their credit within the past 12 months.
    -Statisticbrain.com