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Say Goodbye to High-Interest Debt This Season
regain control OF your finances this season
Holiday spending season is here…and so are high interest rates. Whether you’re traveling, hosting, shopping online, or shopping local, GreenPath can put money back in your pocket. As a trusted, national nonprofit since 1961, we help people pay off debt, save more, and stress less with our Debt Management Program (DMP).
The Holiday Debt Trap
FACT: 36% of Americans took on holiday debt last season – averaging $1,181 – and 42% of that debt carried interest rates of 20% or higher. (Lending Tree)
It’s bad math. High-interest credit cards + minimum payments = debt that doubles.
Without a plan, you could pay thousands more in interest. Don’t let high rates dictate your holiday spending – take control with a plan customized to you.
How GreenPath’s Debt Management Program Can Help
We don’t just talk about financial wellness. We make it a reality for people across the country. Our Debt Management Program is a personalized credit card debt repayment plan that helps you:
- Secure lower interest rates (on average 6.6% vs. 28% off plan)
- Reduce monthly minimum payments by an average of $199
- Save an average of $29,700 in interest charges
- Pay off debt faster—on average 85 months sooner (that’s over 7 years!)
*Average results for GreenPath clients on a Debt Management Program. Connect with us to see what’s possible for you.
With a structured repayment plan, you can regain control of your finances and enjoy the holidays without the stress of mounting debt.
No Loans. No Loopholes. Just a Proven Path Forward.
Lower Interest
Thanks to our valued partnerships with 560+ financial institutions nationwide, we typically secure reduced interest rates—helping you save during the spendiest season of the year.
Simplify Payment
Trade multiple bills in your mailbox for one automated monthly payment to GreenPath, on your preferred schedule. Because you’ve got enough to manage during the holidays.
Faster Debt Payoff
Our plan is designed to help you become debt-free within 3–5 years, giving you financial breathing room to plan for the future.
Free Financial Education
Along the way, access free webinars, worksheets, and courses to strengthen your financial skills and stay on track.
Real Results: What Our Clients Achieve
We believe in putting our money where our mouth is. Here’s how a typical person benefits by enrolling in a GreenPath Debt Management Program:
Off DMP
- Average starting debt balance: $17,667
- Average interest rate: 28%
- Monthly payment: $589(1)
- Time to pay off debt: 135 months
- Total interest paid: $31,975
- DMP fees: $0
- TOTAL COST: $49,642
On DMP
- Average starting debt balance: $17,667
- Average interest rate: 6.6%
- Monthly payment: $390(2)
- Time to pay off debt: 50 months
- Total interest paid: $2,258
- DMP fees: $1,550(3)
- TOTAL COST: $21,475
(1) Monthly payment Off DMP is calculated as 1% of the principal plus interest. (2) Monthly payment On DMP includes an average monthly fee of $31. Fees are determined based on applicable state law and may also include an enrollment fee. (3) DMP Fee total is the average $31/mo fee for the average time to pay off debts of 50 months.
Enjoy the holidays without letting credit card debt steal the spotlight.
Client Stories
Recommended Resources for a Stress-Free Holiday
Spread Joy & Save Money: Make It a Happy and Financially Healthy Season
Tackle Credit Card Debt Before Holiday Spending Hits
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