Financial Counseling Funded by USAA

Get Your Free Counseling Session

Whether you want to pay off debt, get options to manage collection calls, save more money or prepare for a major purchase, your financial health starts with a free call.

GreenPath’s certified financial counselors’ average more than 12 years of experience. They provide trusted, in-depth knowledge working with all types of debts and creditors.

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Calculate Your Financial Wellness

Enter Your Credit Card Balance


When it comes to managing debt or figuring out monthly expenses, use this handy calculator to see how your debt figures in your financial picture.

GreenPath financial wellness is a national nonprofit that for more than sixty years has successfully provided personalized counseling to help people achieve their financial goals.

NOTE:  This is an example. It helps you see how a debt management plan might help you. IT IS NOT AN ACTUAL QUOTE.

How the Debt Management Calculator Works

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. If the results of the GreenPath debt management calculator example show that we might be able to save you money, chat or call us today to conduct a free debt counseling session with one of our NFCC-Certified counselors. The session is 100% confidential, no pressure and judgment-free.

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Explore GreenPath’s Learning Lab for all things financial. We bring you well researched courses and tools to enable a better understanding of money for a healthy financial life. Take advantage of this free resource.

GreenPath’s Learning Lab is a free, intuitive online portal offering users easy-to-use educational experiences. Learn more

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Journey to #BeDebtFree

Tanisha & Noah
Jeff & Victoria
Mayola of Madison, AL
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It was a good program and it helped me clear up the debt that I had. The enrollment process was seamless and very easy. The quality of service was great. They did something that I could manage and they took the time to assess my needs.

Scott of Indianapolis, IN
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I haven’t had a bad experience working with GreenPath. If I needed something, I called them. I never waited on the phone that long and they took care what I needed. They were a better route than the National Debt people.

John of Glen Burnie, MD
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GreenPath laid it out for me to where I can manage. We just figured out which bills I needed paid off and they came up with a bi-weekly payment, which worked perfect for me. I’m extremely happy. The reps were great too.

GreenPath Services

Debt Counseling

Get help with debt. Our nonjudgmental certified debt and credit counselors will help you make a plan.

Debt Management

Eliminate your debt in 3 to 5 years. You’ll pay off debt faster, save money, and have the caring support of our team.

Make Housing Decisions

Whether purchasing a home, considering a reverse mortgage, delinquent, or facing foreclosure, we offer support.

Student Loan Counseling

Talk to one of our student loan advisors. We’ll explain the options and create a plan for reaching your financial goals.

Frequently Asked Questions

Is financial counseling free?

Yes. General financial counseling, including credit counseling, debt counseling are free. Some of our specialized services for reverse mortgage and homebuyer assistance have a fee.

How long does a counseling session take?

The first general financial counseling session takes about an hour, although it will depend on your unique situation and what you need to accomplish your goals.

Do I need to make an appointment?

No appointment is needed to talk to a counselor by phone.  Use the “Request a Call” form, or call us to talk to the Client Services team.

What if I don’t have time?

No problem! We can complete as much you have time for, and finish up at a more convenient time. You can also schedule an appointment to be called when you will be available.

What do I need for my initial session?

One of the first things a counselor will do with you is put together your budget. Having an idea of your income and expenses is helpful. If you have billing statements handy, even better!

Will you keep my information confidential?

All client information is secure and confidential. GreenPath will not share your information with anyone without your permission. We also do not report to credit bureaus.