take control
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.

The average interest for DMP clients is 6.5%

Step-by-Step Guide to Becoming Debt-Free

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.

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

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.

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Success Stories

If you are in debt and don’t see a way out? Then you are the exact person GreenPath was created for.

Richard from California

Thank you for giving me hope.

Ramiro from Texas

This program feels so real compared to all the spam calls I’ve been receiving. Thank you!

Angela from Wisconsin

I 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.

Michael from Maine

The counselor I had my first call with was amazing! Not only was the information clear, detailed and easy to understand, he was patient, kind and compassionate regarding a topic around which I have a lot of shame…. I’ve had a high level of stress regarding our debt for years now and a huge weight was lifted after my very first call when we set a plan in motion.

Annie from California

This program is awesome! I eliminated all my debt from many years past and graduated out of the program. I became a doctor and took the second round of debt and consolidated it to become debt free for a second time.

Kellie of Michigan

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.Tools, free courses, and personalized guidance to help you build lasting habits and confidence.

A young woman sitting on a couch looking at her computer.

Debt-free up to 7 years faster than paying on your own.

Debt Management Program Comparison

Without GreenPath DMP

Interest as high as 28%
Multiple balances and high payments
No clear payoff timeline

With GreenPath DMP

6.5% average interest rate
$217 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.

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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.

An older man wearing a dark red sweater smiling at the camera.

You are not 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.

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.

877-242-7656