Providing KOFE

KOFE: The one place where financial coaching and educational programs meet.

People can’t waste time searching for multiple resources that will help them improve their financial well-being. They need one source they can quickly access. And one source they can trust.

Financial coaching and education increase knowledge

Welcome to KOFE. We provide personal interaction with qualified financial coaches and educational programs that inform and inspire. Learn budgeting skills, how to read a credit report, identity theft prevention and more.

We solve the financial problems that haunt people every day, and prevent them from concentrating on their jobs, saving for retirement or qualifying for a loan. Every person is different, but chances are at least one financial issue is troubling them.

Together we can put that to an end. Join KOFE and you’ll benefit from:

Financial Coaching

KOFE only hires qualified financial coaches who are available full-time. They evaluate a person’s financial situation either on the phone or online. Once they fully understand the individual’s dilemma, they offer advice and specific tools geared toward solving their problems. KOFE’s financial coaches provide stability and comfort by adapting solutions that fits each person’s unique need. They’re only a phone call away.

Financial Education

Recent studies and surveys reveal how poorly educated most Americans are regarding financial issues. That all changes with KOFE. People who use our professional services and programs finally receive the appropriate education and guidance that allows them to solve their financial problems. They also avoid making the same mistakes in the future. Another advantage KOFE offers is personal communication with our financial coaches, who can speak with them about budgeting, reading credit reports, lowering debt and more.

Financial Tools

KOFE’s financial tools boost a person’s learning proficiency by offering choices that fit their personal needs. They can select online or offline tools and learn from anywhere they can find a quiet moment to study. We offer a financial publication series that includes a library of 45 publications. We also provide over 100 financial educational videos, interactive courses, seminars/webinars and our valuable financial coaching. We make learning about finances easy.

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.