Free, Confidential Debt Counseling
Feeling overwhelmed by debt? You don’t have to face it alone. GreenPath Financial Wellness is a national nonprofit credit counseling agency, and our NFCC-certified counselors are ready to talk with you.
Ease Your Financial Stress with Expert Guidance
Your free counseling session is the first step toward clarity and control. You’ll talk one-on-one with a compassionate expert who will listen, review your full financial picture, and help you understand your best options for managing debt and reducing stress.
Here’s how it works:
Connect with a counselor. Call 866-224-7829877-337-3399 or schedule online – there’s no cost or obligation.
Get a personalized review. We’ll look at your income, expenses, and debts to understand your full situation.
Receive your next steps. You’ll leave with a clear plan – whether that’s budgeting tips, repayment strategies, or exploring a Debt Management Program.
Many people reach out after falling behind on credit cards or feeling stuck making only minimum payments. After counseling, 86.6% of survey respondents indicate more confidence in their ability to reach their financial goals.
The Benefits of Credit Counseling
Working with a nonprofit counselor can help you take charge of your financial life, one step at a time. During your free session, you’ll gain:
- A clearer picture of your finances. Understand exactly where your money is going and what’s causing financial strain.
- Personalized guidance. Receive practical strategies for managing debt, building credit, and saving for the future.
- Potential savings. Most clients discover ways to lower interest rates, reduce monthly payments, and pay off debt faster.
Our Financial Counselors Care
When you reach out to GreenPath, you’ll speak with a caring, NFCC-certified financial counselor who understands that financial hardships happen to good people.
Every conversation is confidential, judgment-free, and focused on your goals. Our team listens with empathy, explains your options, and helps you take the next steps toward becoming debt-free and financially confident.
You May Qualify for a Debt Management Program
There is no one-solution-fits-all approach to debt. That’s why our NFCC-certified, nonprofit credit counselors take time to understand your unique goals. You may qualify for a GreenPath Debt Management Program (DMP). On average, DMP clients:
- Save $199 in monthly payments
- Save $29,700 in interest
- Pay off debt 7 years sooner
And if a DMP isn’t the right fit? You’ll still receive personalized guidance, budgeting support, and money management tools to help you confidently manage debt on your own.
“Slowly but surely, I began to see progress. My balances were shrinking, and so was the weight on my chest.“
– Alex, Illinois
Free Financial Resources
Learn About Debt
Learn about the different types of debt and how they can impact your life. These articles can also give you insight into different options to be debt free.
What is A Debt Management Program?
Learn how a Debt Management Program can be of benefit to you. How it works, and if it’s the right fit for your situation.
Learn About Credit Scores
Credit scores can open doors, learn how to build or improve your credit scores. Also get a better understanding of how these scores are calculated.
Frequently Asked Questions
What is debt counseling and how much does it cost?
During debt and credit counseling, a financial counselor will help you understand your financial situation, learn about your options, and make a plan to meet your financial goals.
What is the difference between credit counseling and debt counseling?
There is no difference. The terms “credit counseling” and “debt counseling” both refer to the process of exploring options to help you get out of debt, increase savings and take control of your financial future.
What is the difference between credit counseling and debt management?
Credit counseling is a free, nonprofit session where a counselor reviews your finances and offers guidance. A Debt Management Program (DMP) is a structured plan designed to lower interest rates, reduce payments, and help pay off debt faster.
Do I need to make an appointment?
No, an appointment is not necessary. GreenPath counselors are ready to connect when you are: 866-224-7829877-337-3399.
What if I don’t have time to conduct a counseling session right now?
No problem. We can schedule an appointment for a more convenient time. Or you can just call us back when you have time to talk
What will I need for my initial counseling session?
It will be helpful if you know how much you usually spend each month on living expenses such as utilities, food, gas, etc. We’ll also need to know how much money you and your spouse / financial partner bring home each month
Will my information be kept confidential during debt counseling?
Yes. We do not report information to the credit bureaus. And we will not share your information with anyone without your permission. If you begin a debt management program, we will obtain your written consent to contact your creditors in order to arrange payments and service your program. Take a look at our Privacy Statement for more details.
Still have questions? Explore our Full FAQ Page