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There are a million reasons why money sometimes becomes a struggle. It may be because of sickness, unemployment, a major unexpected expense, divorce, or a simple case of overspending.
Whatever the reason, when money becomes a struggle it has an enormous impact in almost every other area of our lives. It makes day-to-day living, planning, and spending exhausting. It makes our big picture goals - owning a home, saving enough for retirement - feel impossible.
But none of those things are impossible. We can show you how to make your goals a reality.
No one wants to spend all of their time thinking and worrying about money. We don't want you to, either. That's why we offer FREE debt and budget counseling to anyone looking to get a better handle on their finances. Our counselors understand what it feels like to be overwhelmed by financial obligations. They have the training and expertise necessary to objectively analyze your situation and provide meaningful suggestions, resources, and next steps.
If you know things need to change, but you're not exactly sure what the problem is, a debt and budget counseling session is a great way to step back, understand what's happening, and create a plan to get you where you want to be.
The heart of debt and budget counseling is an open, honest review of your personal finances. We'll review your spending, debt, and income, before discussing your goals and what needs to happen next. Counseling is available online, over the phone, and in-person in select locations. And it's FREE! (I think we mentioned that...)
Change can be tough, and you may have to make some difficult changes in order to reach your goals. That's why it's important to always keep your goals - and the reasons behind those goals - in mind. You're reading this for a reason, right? Just think how much better you'll feel once you don't have to think about money all the time.
Most counseling and education is provided at no cost. We have a few select low-cost services and there are fees associated with using our debt management plan. However, you may be eligible for reduced or waived fees. Ask your counselor for more details.
All of our counseling sessions are completely confidential. We will only contact your creditors if you decide to begin a DMP, in order to set up your repayment plan.
Office appointments are available by appointment. Please call 866.889.9347 to schedule an appointment. We look forward to meeting you!
The National Council of Higher Education Resources (NCHER) is the nation’s oldest and largest higher education finance trade association. NCHER’s membership includes state, nonprofit, and for-profit higher education service organizations, including lenders, servicers, guaranty agencies, collection agencies, financial literacy providers, and schools, interested and involved in increasing college access and success. It assists its members in shaping policies governing federal and private student loan and state grant programs on behalf of students, parents, borrowers, and families.
Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.
The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.
The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.
The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.