We are a nonprofit financial counseling service that has been providing free, nonjudgmental support and guidance for more than 30 years. We believe that everyone can achieve financial wellness. We offer consumer counseling credit services, budget and debt management counseling, student loan debt repayment counseling, debt management plans, housing counseling and more!

Married couple.
Get Out of Debt
Develop a plan of action with our free and confidential budget and debt management counseling.
Family of three smiling in front of house
Housing Counseling
Prepare to buy a home, learn about foreclosure prevention, or get reverse mortgage counseling.
Young adults figuring out their payments.
Student Loan Debt
Understand your student loans, your student loan repayment options and make a plan to get back on track.
Financial Choice
A financial service for organizations.
Our expert financial counselors can tailor this effective financial wellness service to suit the needs of your business, organization or group.

Recent posts from our Sense & Centsibility Blog

Couple working on a budget
How to Create a Budget to Weather a COVID-19 Layoff
Anticipating a layoff or currently experiencing one? The following steps will help you create a budget and build emergency savings.
Woman on phone
Should You Make Student Loan Payments During Forbearance?
The relief from loan payments due to the pandemic — also known as a forbearance — has been extended until September 1, 2022.
Tim - Debt management client
Debt Counseling “Felt Like a Lifeboat”
Minnesota man shares how debt management plan helped him pay off previously unaffordable debt.