Consumer Credit Counseling Service of Rochester (CCCS) is a non-profit community service agency dedicated to educating and empowering individuals and families to take control of their financial lives. Free, confidential budget and credit counseling, Group education programs, Debt management programs, Telephone or in person counseling, Interest education, Information on how to stop collection calls, Bankruptcy avoidance education, Realistic budget education. Student Loan counseling and Medicaid application service are also offered.