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 credit counseling 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.
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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

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Four Steps to Take Before Student Loan Payments Restart
The pause in federal student loan payments was extended to December 31, 2022. Prepare now for the day these loan payments restart.
Asian woman and man meeting realtor. Man shaking realtor's hand.
How to Avoid a Sheriff’s Sale and Keep Your House
Facing the possibility of foreclosure and wanting to stay in your home? It is crucial to avoid a Sheriff’s Sale. Here are tips to help prevent it.
Tim - Debt management client
Debt Counseling “Felt Like a Lifeboat”
Minnesota man shares how debt management plan helped him pay off previously unaffordable debt.