Dramatically increase your knowledge of financial issues
with KOFE.

In recent years, it’s become abundantly clear that most consumers in the United States lack proper money management skills. Studies and surveys reveal that both students and adults don’t possess the necessary education required to maintain a healthy financial lifestyle.

The results of this deficiency are massive credit card debt, identity theft issues, staggering housing costs and student loan debt. KOFE confronts these issues by providing educational programs and materials with easy step-by-step directions.

Consumers finally receive the proper education and guidance that empowers them to solve their financial issues and avoid making future mistakes. As a bonus, consumers can also speak privately with our financial coaches on issues ranging from:

  • Simple budgeting techniques
  • Reading credit reports
  • Avoiding foreclosure
  • Reducing credit card debt
  • Preventing identity theft

KOFE’s educational materials cover a full range, focusing on issues as small as money saving practices to larger issues like debt management programs or properly dealing with debt collectors.

Understand your credit history

There’s also a host of financial tools available online or offline. Financial education is an ongoing process, and KOFE is continually building and improving its educational systems and products so consumers can become their own money management experts.

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.