Get Ahead of Debt
Struggling with high-interest debt? You’re not alone. GreenPath’s Debt Management Program is designed to lower rates, reduce payments, and guide you toward becoming debt-free faster. As a trusted nonprofit since 1961, we’ve helped people repay billions in debt and regain control of their finances.
I only wish I had known about debt management programs earlier. I finally feel like we are getting our debt under control. It has forced a true lifestyle change.” – Sarah, North Carolina
GreenPath is a trusted national nonprofit since 1961.
When Payments Don’t Move the Needle, We Can Help
Nearly half of American credit‑card holders carry a balance from month to month, and 60% of those have been in debt for a year or more – so if your balances barely shrink, you are far from alone.
GreenPath offers free, one-on-one financial counseling. Our certified counselors help you understand your budget, debts, and goals, giving practical guidance to reduce stress and take control of your finances. If a Debt Management Program is a good fit, we’ll set up a structured repayment plan that makes paying off debt faster and easier.
Your Step-by-Step Guide to Becoming Debt-Free
Step 1: See Your Savings
Use the Savings Calculator to see how a Debt Management Program could save you time and interest. Try it now.
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 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.
Step 2: Get Expert Guidance
Review your budget and goals with an NFCC-certified expert who can help determine if a DMP fits your needs.
GreenPath has significantly reduced my stress surrounding debt repayment. I feel enrolling in the DMP provided me a strong foundation for moving forward with clarity in navigating my finances.” – Roya, Utah
Step 3: Start Your Program
Your DMP makes paying off debt simple:
One simple monthly payment to GreenPath
We pay your creditors on time
We work with creditors to lower your interest and monthly payments *
A clear 3 – 5 years payoff plan with support along the way
What Makes GreenPath Different
Deep Industry Partnerships
Decades-long relationships with 560+ creditors help ensure smoother plan setup and fewer surprises along the way.
Proven, Trusted Support
NFCC-certified, A+ BBB rating, and over 60 years of helping people take control of their finances as a trusted national nonprofit.
Comprehensive DMP Support
A dedicated Client Success Team, 24/7 secure online access, and a private support community give you guidance, tools, and motivation to stay on track.
Support Beyond the DMP
Tools, free courses, and personalized guidance to help you build lasting habits and confidence.
I am so grateful for the services offered and to continuously feel improvements in my financial wellbeing. Finally financial freedom seems attainable.” – Hanna, Michigan
High interest compounds quickly. Waiting often means:
- Paying far more than the original balance
- Living with constant stress and uncertainty
- Delaying goals like saving, homebuying, or retirement
Stop High Interest from Holding You Back
Start today and see the difference*:
One predictable payment
Lower interest rates
A clear payoff date
Confidence that your plan is working
Before DMP
- Interest as high as 28%
- Multiple balances and high payments
- No clear payoff timeline
With GreenPath DMP*
- 6.6% average interest rate
- $199 average monthly payment reduction
- One simple monthly payment
- Debt-free up to seven years faster than paying on your own
*Average results are based on GreenPath clients enrolled in a Debt Management Program; results vary by creditor, balances, and budget.
Success Stories
Tiffany of Texas“The counselor I worked with was great. He was relatable and non-judgmental… I really want to improve my situation and never end up in this position again. And I feel like that’s actually possible now.”
Tyler of Maryland“Your assistance has allowed my partner and I to realize a literal dream of owning our own home. Without your assistance I genuinely do no know if we would have been able to purchase the house we did, thank you so much!”
Melissa of MichiganI hung up the phone confident that I had started on the right path toward a healthy financial future.
Richard from CaliforniaIf you are in debt and don’t see a way out? Then you are the exact person GreenPath was created for.
Michael from MaineI am saving $1,000 per month and will have my bills paid off in 48 months vs over a decade. It was incredibly easy to work with my consultant and a seamless process. I was surprised we got this done so quickly. It is literally life changing.
Ramiro from TexasThank you for giving me hope.
GreenPath Financial Wellness: A 60-Year Trusted National Nonprofit
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