Financial
Counseling
Modern Debt Help's NFCC-certified experts listen with care and provide personalized financial counseling to help you budget, manage debt, and create a plan to reach your goals.
How Financial Counseling Works
With your counselor's help, you'll leave each session with actionable steps and peace of mind — and ongoing resources to stay on track.
Free, confidential support
Talk through your financial situation with an expert who cares.
Money management strategies
Review your income, expenses, and goals to find ways to save and spend wisely.
Budget counseling
Get step-by-step guidance to build a realistic budget tailored to your financial goals.
Planning ahead
Create a clear roadmap for paying off debt, building savings, and building your credit.
How Financial Counseling Can Help You
Financial counseling is for anyone who wants to feel more in control of their finances, whether you're:
- Struggling to make ends meet or facing high-interest debt
- Planning for big goals like saving for a home
- Managing a major life change, such as a job loss or new family expenses
As a nonprofit organization with more than 65 years of experience, we're here to help you take the next step toward financial wellness — no matter where you're starting from.
of survey respondents indicate more confidence in their ability to reach their financial goals after counseling.
Explore Our Counseling Services
Everyone's financial journey is different. Modern Debt Help's caring counselors are here to listen, offer guidance, and help you find the best path forward.
Debt Counseling
Modern Debt Help offers free credit and debt counseling to help ease your financial stress, address money challenges, and develop a personalized financial plan.
Manage Your DebtDebt Management
Our Debt Management Program is designed to help you pay off your debt in 3 to 5 years — often faster and with lower interest — while helping you develop sound financial literacy.
Faster Debt PayoffHousing Counseling
Facing foreclosure, seeking rental counseling, or considering a reverse mortgage or home purchase? Our HUD-certified housing counselors provide guidance for your housing goals.
Housing Support