Get Ahead of Debt
Struggling with high-interest debt? You’re not alone. As a trusted nonprofit since 1961, GreenPath has helped households across the country lower interest rates, simplify monthly payments, and pay off debt faster. Use our free calculator to estimate your potential savings and payoff timeline.
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-by-Step Guide to Becoming Debt-Free
Step 1: Talk to an Expert
Connect with an NFCC-certified financial counselor for a free, no-pressure conversation about your debt, budget, and goals. No judgment. No obligation to enroll.
Step 2: Get a Personalized Plan
Your counselor will review your balances, interest rates, expenses, and budget to identify the best path forward.
- Review debts and interest rates
- Discuss your budget goals
- Explore repayment options
- Receive a personalized payoff plan
Step 3: Start Your Program
If a Debt Management Program is the right fit, GreenPath can simplify repayment with one monthly payment, lower interest rates, and a structured payoff plan. You’ll also get ongoing support and financial education to stay on track toward becoming debt-free.
Success Stories
Roya from UtahGreenPath has significantly reduced my stress surrounding debt repayment. I feel enrolling in the DMP providing me a strong foundation for moving forward with clarity in navigating my finances.”
Sarah from North CarolinaI 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.”
Hanna from MichiganI am so grateful for the services offered and to continuously feel improvements in my financial wellbeing. Finally financial freedom seems attainable.”
Roy from CaliforniaKnowing I’m going to have one payment instead of ten feels amazing.”
Jennifer from TexasI spent years living on credit cards while working underpaid human services jobs, feeling like I couldn’t catch a break. GreenPath was the break I needed. It made my financial healing possible and lifted the massive mental weight of growing interest.”
GreenPath is a trusted national nonprofit since 1961.
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.
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
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
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
*Average results are based on GreenPath clients enrolled in a Debt Management Program; results vary by creditor, balances, and budget.
Frequently Asked Questions
How much does it cost for a debt management program?
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 $31 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.
Who is eligible for a debt management program?
GreenPath’s DMP is designed for people with unsecured debt, such as credit cards, department store cards, medical bills, or personal loans, and the program is tailored to your unique financial situation.
To get started, connect with a HUD- and NFCC-certified counselor for a free, no-obligation debt counseling session. Together, you’ll review your debts, income, and expenses to determine the best path forward.
What credit card companies or lenders participate in GreenPath’s Debt Management Program?
We work with most creditors throughout the US, including banks, credit unions, medical providers, and collection agencies.
Will a debt management program hurt my credit score?
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.
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.
When Payments Don’t Move the Needle, We Can Help
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.
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