We are a certified nonprofit financial counseling service that has been providing free, nonjudgmental support and guidance for more than 35 years. We believe that everyone can achieve financial wellness. We offer consumer credit counseling services, budget and debt management counseling, student loan debt repayment counseling, debt management plans, housing counseling and more!

Happy middle aged woman
Get Out of Debt
Develop a plan of action with our free and confidential budget and debt management counseling.
Debt Help
Three people sitting at a table
Housing Counseling
Prepare to buy a home, learn about foreclosure prevention, or get reverse mortgage counseling.
Learn more
Happy college students
Student Loan Debt Counseling
Understand your student loans, your student loan repayment options, and make a plan to get back on track.
Learn More
Faces
Financial Choice
A financial service for organizations.
Our expert financial counselors can tailor this effective financial wellness service to suit the needs of your business, organization or group.
Learn more
Jar filled with coins and labeled Education. To right of jar are a small stack of books with a graduation cap on top of them.
Is the new SAVE Plan for student loan repayment right for you?
The Saving on a Valuable Education (SAVE) Plan might be an option to make your student loan repayment more affordable.
Read More
Asian woman and man meeting realtor. Man shaking realtor's hand.
How to Avoid a Sheriff’s Sale and Keep Your House
Facing the possibility of foreclosure and wanting to stay in your home? It is crucial to avoid a Sheriff’s Sale. Here are tips to help prevent it.
Read More
Tim - Debt management client
Debt Counseling “Felt Like a Lifeboat”
Minnesota man shares how debt management plan helped him pay off previously unaffordable debt.
Read More