Debt Management

General Info

First time visitors

Account Info

Financial counseling
housing counseling
student loan counseling


We are committed to the belief, “All people are individuals with purpose and worth.” Each consumer is no less valuable because of financial difficulties than if they were wealthy.


As a non-profit credit counseling agency with over 30 years of experience, we provide credit counseling, budgeting, and debt management programs supported by Christian beliefs. It is our policy not only to help consumers get out of debt, but to educate them in budgeting practices.

Our Accredited Credit Counselors are certified through the requirements set forth by the “Financial Counseling Association of America”, which can include the “Association for Financial Counseling and Planning Education”, located in Alexandria, VA or the “Partnership for Financial Education”, located in Portland, ME.


We are also a registered agency through Bureau Veritas and operate a quality management system in compliance with the requirements of ISO 9001:2015, as well as a participant of the Better Business Care Program. Pioneer Credit Counseling holds membership in the Financial Counseling Association of America of Fairfax, Virginia.

Want some financial assistance on your mobile device?

At Pioneer Credit Counseling, we’re pleased to be a service provider for the free mobile app called, Trusted Helplines. Free advice and resources for many of life’s challenges, from collecting child support to finding a great job. Employers are sharing the app with staff to relieve financial stress at work. Check it out here or at your app store.

Pioneer Credit Counseling is proud to have the following officers as part of our team:


Pioneer Credit Counseling has a client trust account for the disbursement of funds which is held at BankWest in Rapid City, SD.


Pioneer Credit Counseling is a trade name of Black Hills Children’s Ranch, Inc., which is a bonded non-profit 501(c)(3) agency with their corporate offices in Rapid City, SD.