We combine a density functional theory (DFT) with a self-consistent field model (SCF) to calculate the phase behavior of thin, oblate colloidal particles that are coated with surfactants and dispersed in a polymer melt. These coated particles represent organically modified clay sheets. By integrating the two methods, we can investigate the effect of the surfactants＇ characteristics (grafting density rho(gr) and length N-gr) and the polymer-surfactant interaction energy on the polymer-clay phase diagram. Depending on the values of these critical parameters and the clay volume fraction, phi, the system can be in an isotropic or nematic phase (which corresponds to an exfoliated composite). The system can also form a smectic, crystal, columnar, or "house-of-cards" plastic solid, as well as a two-phase (immiscible) mixture. Using this model, we isolate conditions that lead to the stabilization of the homogeneous, exfoliated phases (the isotropic and nematic regions) and to the narrowing of the immiscible two-phase regions.