Nonprofit credit counseling agencies offer free money advice — no matter your financial situation. You might want their help if you've recently lost your job and are struggling to figure out your budget or want to explore your debt payoff options.

While you can likely get the help of a nonprofit credit counselor near you, many agencies offer assistance over the phone or online nationally. Nonprofit credit counseling agencies offer a variety of services, including general personal finance advice, homeownership counseling and more. Some services are free.

Here’s a detailed look at what's offered, as well as how to choose an agency and get started.