YOUR MONEY GOALS MATTER
A trusted national nonprofit since 1961, GreenPath Financial Wellness will help you find your fresh start. Enter your credit card balance below to see your savings.
Eliminate High-Interest Debt
GreenPath’s Debt Management Program is designed to eliminate your debt within 3 to 5 years. Empathetic, NFCC-certified counselors provide personalized support at every step, and last year we helped 10,253 people pay off their debt in full.
Save on Interest
We work with creditors to arrange lower interest rates on your behalf.
Simplify Payments
Minimize stress with direct payment to GreenPath on your preferred schedule.
Ditch Debt Faster
The DMP is designed to eliminate debt in 3 to 5 years while deepening financial resiliency.
Resolve to Evolve
Call them Resolutions, Goals, or To-Do’s (if you like lists as much as we do!) Whatever you call them, your money milestones matter. What do you want to accomplish in 2024?
I Want to Deepen my Financial Education
We understand that you have priorities. Our priority? Making financial education cost-free, shame-free, and available 24/7. From budgeting calculators to identity protection pro tips, our webinars and LearningLabLearningLab+ courses are designed with you in mind.
I Want to Make Smart Housing Decisions
You deserve secure, sustainable housingsustainable housing this year and beyond. We provide free housing education and counseling for buyers, renters, and those struggling. Last year, we helped 18,926 households avoid foreclosure.
I Want to Know that I’m Not Alone
Hear from people who survived and thrived through financial hardship, facing questions like: how will I put food on the table? Their Real $toriesReal $tories are a reminder that many of us walk shared paths.
Debt Counseling is Free, Call Today
Hannah from Minnesota
“This process made myself and my husband more confident about our first big purchase – our home!”
Robert from Iowa
“It’s reassuring that I can succeed financially. My new budget and goals are under control, and I will survive.”
Kira from Oregon
“[Our counselor was] very kind, understanding, and realistic…she didn’t shame us for our situation, which is soooo helpful when working through situations like this.”
GreenPath’s goal is to help you pay off your debt faster and put money back in your pocket. Don’t wait to talk with a financial expert 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.