Holidays Campaign
WRAP UP YOUR DEBT THIS SEASON
GreenPath Financial Wellness is a national nonprofit that has been helping people achieve financial health for more than 60 years.
Gift Yourself Financial Wellness
If inflation and high interest rates are dampening your holiday spirit, we can help. Pay down debt, strategize saving, and find financial freedom with GreenPath’s Debt Management Program.
Save on Interest
As a trusted national nonprofit since 1961, we work with creditors across the country to arrange lower interest rates and monthly payments that help save you money.
Simplify Payments
We understand that you have enough to manage this time of year, so we’ve kept debt management simple with direct payments to GreenPath on your preferred schedule.
Ditch Debt Faster
It’s time to break the cycle of carrying debt into the future. Our Debt Management Program is designed to help you pay off your debt in three to five years and deepen your financial literacy.
Putting You Back in Control
Our NFCC-certified financial counselors are making a meaningful difference in people’s lives every day. Here are some recent experiences our clients shared.
Lindsey from Colorado
“Thank you! Felt like a human and not a number and got the help I needed to feel happy again! I was losing sleep and couldn’t find balance. Getting help made me finally feel in control and be able to enjoy my life.”
Bryon from Minnesota
“Our counselor checks in on us regularly, keeping us accountable but also motivated. The level of expertise and personalized attention has been eye-opening, to say the least.”
Aurora from Washington
“I thought once I had made the mistake of having too many credit cards my financial life was over. GreenPath helped me immediately take back control and feel better about my situation.”
Free Financial Resources
If you’re not ready to make the call, that’s okay! Below are free financial tools to get you started on your debt free journey. GreenPath’s mission is to make financial wellness a reality for everyone.
Holiday Budgeting Worksheet
Use this seasonal budgeting worksheet to keep your holiday budget in check so you can have a healthy new year!
Online Course: Debt Repayment Options – Which One is Right for Me?
Online Course: Debt Repayment Options – Which One is Right for Me?
The course provides you with details around multiple ways to manage debt. Each option is explored with a scenario inspired by real GreenPath clients who have faced the same challenges.
Free Debt Counseling is Available to All
Our empathetic, NFCC-certified financial counselors are ready to listen, strategize, and create a customized plan to free you from high interest debt. Take the first step towards financial freedom and connect with GreenPath today.
Counseling Hours
Contact GreenPath to conduct a free debt counseling session to see if our debt management program is right for you.
- Monday-Thursday 8:00 am – 10:00 pm Eastern
- Friday 8:00 am – 8:00 pm Eastern
- Saturday 9:00 am – 6:00 pm Eastern
Frequently Asked Questions
Debt Management Program set up fees and monthly fees vary based on your state of residence and debt amount. On average, GreenPath clients are charged a one-time enrollment fee of $35 and a $28 monthly fee. This is minimal considering the amount of money our clients typically save in waived late fees, waived over limit fees, and reduced credit card interest charges.
We work with most creditors throughout the U.S., including banks, credit unions, retailers, medical providers, auto finance and collection agencies.
Since the goal of a debt management program is to pay off debt, the credit cards enroll in the program will be closed. Most creditors will usually allow you to continue using one card for emergencies and travel.
GreenPath does not contact the credit bureaus when you enroll in a debt management program. However, because you will be closing lines of credit during the enrollment process, your score may dip. But over time, most people see their scores increase, because they are making payments in-full and on-time each month.
Yes, they are different. Debt management plans are designed to pay off the entire amount you owe in 3 to 5 years. If we can lower your interest rates, the total amount you pay to your credit card company is typically less than if you paid on your own. Debt settlement typically involves requesting credit card companies to forgive a portion of your debt in exchange for a lump sum payment.
Free Debt and Credit Counseling
We understand that life is costly. Debt counseling shouldn’t be. Our caring community of NFCC-certified counselors are ready to address your specific concerns and goals. The call is free, secure, and confidential.
- Monday-Thursday 8:00 am – 10:00 pm Eastern
- Friday 8:00 am – 8:00 pm Eastern
- Saturday 9:00 am – 6:00 pm Eastern
NOTE: This is an example. It helps you see how a debt management plan might help you. IT IS NOT AN ACTUAL QUOTE.
How Your Debt Is Calculated
- The pay “on your own” example assumes you make only the minimum payment.
- We use an interest rate of 24 percent. The GreenPath debt management plan example shown is based on getting rid of your debt within five years.
- We use an average interest rate of 8 percent .
In most cases, we can work with your creditors to reduce your interest rate. Actual interest rates will vary by client and creditor.