Our comprehensive financial counseling and education services can help people achieve financial independence. Whether it’s reducing debt, buying a home, retaining a home, or simply improving money management skills, we provide guidance every step of the way.
The most trusted source for financial advice in the nation, inspiring and empowering people from all walks of life to achieve their financial dreams.
Your financial guide dedicated to helping you balance life’s important decisions.
We’re a new kind of non-profit—a company committed to developing balanced budgets with individuals and families to help them achieve their financial dreams.
Any consumer contacting BALANCE for counseling services will be provided service regardless of the language they speak. Whenever possible, a client will be paired with a counselor who speaks his or her language. If a client speaks a language other than those of our multilingual counseling staff, the AT&T Language Line will be contacted to schedule a translator for the time of the appointment. BALANCE will pay for the cost of the service.
Debt and Budget Counseling
While there are hundreds of “debt counseling” organizations across the country, we are members of the National Foundation for Credit Counseling and have agreed to quality standards that include accreditation, certification of counselors, audits and core policies that ensure quality service. We offer a Debt Management Plan, and are committed to providing comprehensive money management education and counseling.
Credit Report Review
Our counseling services range from money management to housing to debt management and everything in between. Our counselors are certified credit report reviewers and know their stuff. They are your financial gurus, here to give you the right guidance and support, whatever your financial situation.
Student Loan Counseling
Borrowing to pay for college is the easy part. Repaying the debt is much harder. To know which options are best for you, your career prospects and your budget, it helps to have access to an expert who can guide you through the complexity of the various programs, explain your options under each, and take into account the context of your financial circumstances. BALANCE Credit Counselors speak the language of student loan financing fluently and are ready to work with you in a one-on-one student loan counseling session
Housing can be an overwhelming subject to tackle on your own, whether you are dreaming of owning your first home, or struggling to make mortgage payments on your current home. Our counselors are readily available to help you make sense of it all.
BALANCE offers free education on building credit and becoming a desirable tenant. Our specialized rental counselors will help you develop a personalized spending plan and provide you with advice for saving money, increasing income, and reducing debt
We help clients that have trouble keeping up with bills and find themselves spiraling out of control with debt that seems impossible to repay. We are here to throw a lifeline, to help them get a handle on their debt, while creating a solution that can get them back to stability.
If you are facing bankruptcy, our counselors can provide you with required pre-filing and pre-discharge education and counseling. Our pre-filing bankruptcy education program is designed to help you explore all of your debt repayment options so that you can be fully informed before making this major financial decision. Our pre-discharge education program explores life after bankruptcy through such topics as how to rebuild credit, manage your money, and avoid future financial crises.
To speak with a counselor, call toll-free 1-800-777-7526.
Monday–Thursday 5 AM–8 PM, Friday 5 AM–5 PM, Saturday 8 AM–5 PM (Pacific Time)