Elevate your financial skill level using a variety of tools.

KOFE’s financial tools maximize the consumer’s learning experience by providing options that match their preferences. They can choose online or offline tools and learn from the comfort of their home or in a classroom-style atmosphere.

Each person is different, but every individual receives industry-proven methods that optimize their financial education. Our tools ensure that regardless of how a consumer learns, or the pace they learn at, they will have the opportunity to improve their finances.

Consumers can choose from these financial tools offered by KOFE:

Use financial tools in your home


The KOFE financial publication series contains a library of 45 publications and growing. They cover vital financial topics such as credit card usage, evaluating credit reports, saving for retirement, avoiding foreclosure and more. Consumers can reach for these publications whenever they are in need of guidance and advice.


KOFE’s substantial library offers over 100 financial educational videos. Subjects include reading credit reports, improving credit scores, budgeting techniques and more. KOFE makes the experience user-friendly.


KOFE’s qualified financial coaches provide live seminars at your organization or online webinars in a comfortable classroom style setting. Subjects vary on a wide range of financial topics.

Interactive Courses

Courses currently focus on credit card usage and effective money management techniques. KOFE plans on increasing the amount of interactive courses in the near future. These courses offer an immediate learning experiences and flexibility.

Educational Coaching

All educational coaches at KOFE are qualified financial experts. They deliver professional advice on a wide variety of topics such as reading credit reports, budgeting techniques and more. They are available whenever a consumer requires assistance.

Educational coaches answer your questions

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.