
Debt Shouldn’t Last Forever
Is high-interest debt dragging you down? GreenPath’s Debt Management Program may be able to lower interest and simplify payments – so you can break up with debt, once and for all. Enter your current credit card balance to see how much you could save.
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%, the GreenPath Debt
- We use an interest rate of 24%, the GreenPath Debt Management Program example shown is based on getting rid of your debt within 5 years.
- We use an average interest rate of 8%.
In most cases, we can work with your creditors to reduce your interest rate. Actual interest rates will vary by client and creditor.
NOTE: This is an example. It helps you see how a debt management plan might help you. IT IS NOT AN ACTUAL QUOTE.

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GreenPath is a trusted national nonprofit, certified by the National Foundation for Credit Counseling and rated A+ by the Better Business Bureau, with more than 60 years of experience.



When Payments Feel Unmanageable, We’re Here to Help.
High-interest credit card debt can feel overwhelming—like you’re working hard but never getting ahead. If your monthly payments barely chip away at your balance, it’s time for a better plan!
One Easy Monthly Payment
No more juggling multiple due dates or wondering which bill to pay first. You make a single monthly deposit to GreenPath, and we distribute payments to your creditors. It’s organized, automatic, and designed to keep you on track.
Lower Interest Rates
Tired of sky-high interest rates? We partner with more than 550 creditors across the country to arrange lower interest and reduced monthly payments on your behalf—so more of your money goes toward actually paying off debt, not just interest.
Faster Debt Payoff
With reduced interest and simplified payments, you can pay off debt years sooner—saving thousands and gaining peace of mind along the way. It’s not just a plan. It’s progress you can see.
Before vs. After: A Typical GreenPath Client Journey
WITHOUT GREENPATH
Before the Program
- Average interest rate: as high as 28%
- Steep monthly payments
- Juggling multiple credit card balances
- No clear payoff timeline
WITH GREENPATH
With GreenPath’s Debt Management Program*
- Interest rate drops to 7.3%
- Monthly payments reduced by $161
- One simple payment
- Debt-free within three to five years
*These are average results for GreenPath clients on a Debt Management Program. Everyone’s situation is unique, so connect with us to see what’s possible for you.
More Than Just Financial Relief
For many GreenPath clients, the Debt Management Program isn’t just about numbers — it’s about peace of mind, stronger relationships, and a sense of hope. Here’s what a few of them had to say:
“GreenPath was a benefit not only to my finances but also to my mental state. Their support provided relief to the huge load of anxiety I was experiencing due to the high interest rates and financial burden of the revolving credit card accounts.”
– Josephine, North Carolina
“I’m super grateful for GreenPath. It has allowed me to be more present with my wife and kids since I’m not wondering how I’m going to pay all the bills.”
– Albert, Hawaii
“Trying to manage the debt myself with those extremely high interest rates was impossible. Now I see the light at the end of the tunnel. After having gone through 3 years, I have one more year, and I am very excited!”
– Gail, Delaware
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.
Struggling to Make Ends Meet? Start Here.
Get a clear picture of your income and expenses with this interactive budgeting worksheet. This tool helps you see where your money is going — so you can focus on what matters most.
Money Questions? Get Answers – Fast.
Our free, online LearningLab+ courses are designed to make money management less intimidating and more personal. Whether you’re building a budget or preparing for major milestones, we’ve got your back.
Feeling the Pressure? Let’s Talk.
High-interest debt can feel like a weight on your shoulders. But you don’t have to figure it out alone. Our compassionate NFCC-certified counselors will guide you toward lower payments, less stress, and a fresh financial start. Isn’t it time you had someone in your corner? Give us a call, and let’s explore what’s possible for you.
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