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Counseling & Education
Budget and Credit Counseling
During a budget and credit counseling session, a certified credit counselor meets privately with you to perform a thorough analysis of income, living expenses and debt to help create a plan to avoid or reduce debt. You receive advice for developing and balancing budgets, managing money, using credit wisely, and building a savings plan.
During your counseling session, you and your counselor complete the following steps:
- Obtain and verify personal information and all income amounts
- Review budget and discuss spending recommendations
- Determine if income covers essential monthly expenses
- Review assets and liabilities
- Obtain debt account statements
- Review your options based on your individual financial circumstance
- Create an appropriate action plan
Call 800-989-2227 to schedule an immediate appointment by phone, in-person session at one of our ten convenient locations, by phone or start the process online. This one-on-one counseling service is available in English, Spanish, Chinese, Russian and Turkish.