KOFE Tools

Achieve success with our specialized financial tools.

Every person learns at a different rate. They also desire a variety of tools, which makes the learning process not only efficient but entertaining as well. That’s why the tools KOFE provides have been so successful in the past.

Financial tools help save money

Individuals can select from four different choices. They can use the financial tools separately or in tandem. They can also learn from anywhere they choose: from their home, or perhaps at a favorite coffee shop.

KOFE brings the learning experience to you. We offer:


Qualified financial coaches provide live educational seminars at your place of business or online. The can adjust the subject material to fit your needs.

Interactive courses

These courses offer flexibility and the chance for anyone to learn at their own rate. Consumers can also personalize their subjects, so they get the most out of this tool.


With over 100 financial videos at their disposal, consumers can pick and choose the subjects that will solve their problems. They can also watch at any time.


Our publications cover a wide variety of financial issues. They are a go-to tool that focus on everything from credit report evaluation to home buying matters.

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
  • 76% of American consumers are living paycheck-to-paycheck.
  • 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.
  • Percent of families whose debt exceeds 40% of their income is 14.7%
  • Only 35% of people have checked their credit within the past 12 months.