NFCC Member, HUD Approved, COA accredited, United Way of the Black Hills Member agency, HERO approved provider.
If you live in Wyoming, Nebraska, or North Dakota, CCCS of the Black Hills can serve you too.

We are here to support the FINANCIAL wellness of every person in our community.

Appointments face-to-face in office, by telephone, or online

It can be difficult to know where to turn for help. Finding the right expert is important when there are so many predatory services on the Internet. Our counselors are NFCC and HUD certified and non-judgmental. They understand your fears and struggles and can answer your questions. We have been serving the community for over 45 years. We are your local, trusted source for help.

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Education Disclosures

Counseling Appointment Disclosures

Consumer Credit Counseling Service of the Black Hills is a non-profit and here to help you find the best path forward to financial wellness.

We are an accredited agency and uphold a rigorous code of ethics and maintain high standards requiring counselor certification, fiscal integrity, and volunteer Board governance. Our affiliations include:

  • Council on Accreditation
  • National Foundation for Credit Counseling
  • HUD –approved Housing Counseling Agency
  • South Dakota H.E.R.O (Homeownership Education Resource Organization) Provider
  • United Way agency in Rapid City, Sturgis, and Northern Hills
  • Rapid City Chamber of Commerce
  • Better Business Bureau
  • SD Native Homeownership Coalition
  • South Dakota Retailers

Why People Choose Us

certified counselors

We have Certified Consumer Credit Counselors who work with you in developing a personalized Financial Action Plan that results in positive and lasting solutions and helps you reach your goals. We have a variety of programs to offer ranging from debt management, financial counseling, housing counseling and bankruptcy.

qualified educators

We have financial education classes, pre-purchase home buying classes and more taught by our well-trained educators. Our educators are certified through the National Foundation for Credit Counseling.

proven track record

We have been serving individuals and families for over 47 years.

We have provided counseling for over 45,930 families and provided education classes for over 87,933 individuals.

We have returned $60,918,318 back to the community on behalf of our Debt Management Clients.

Of all of our referrals 30% come from current and past clients.

Do you know South Dakotans who are struggling to pay their rent, mortgage or utilities?


South Dakota Housing Development Authority (SDHDA) has funding to help.

Potential applicants can visit to verify eligibility requirements and to begin the application process.


We are committed to the financial wellness of every person in our community. We believe that education – at any age- is the key to making positive, informed financial decisions for yourself and your family. We know that managing finances can sometimes be overwhelming and we are here to help.

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Consumer Credit Counseling Service of the Black Hills (CCCS/BH) was established as a non-profit agency in Rapid City, South Dakota in 1974 to help people in our community and the surrounding area overcome their financial obstacles, achieve their financial goals, and improve the quality of their lives. We have provided immediate debt relief to consumers for more than 40 years. We serve South Dakota, Nebraska, North Dakota and Wyoming.

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Consumer Credit Counseling Black Hills, Credit and Debt Counseling, Rapid City, SD