#ABACUS CREDIT COUNSELING FOR FREE#
#ABACUS CREDIT COUNSELING PLUS#

In conjunction with a financial specialist, IRIS will perform a comprehensive financial analysis and create a custom action plan in 24 to 48 hours.

We chose it as the best price because it offers the lowest maxim setup and monthly fees of any of the agencies we reviewed.Ĭlients can get started with Apprisen through the agency’s secure, online, interactive financial tool called IRIS. Originally named the Economy Budget Service Company, Apprisen was founded in 1955 to offer budgeting and guidance to families overwhelmed with credit problems. The organization's initial and monthly fees are capped at $75 and $50, respectively, with an average initial fee of $40.00 and an average monthly fee of $30.00. The organization claims to be able to reduce credit card interest rates from 22% to 8% and monthly credit card payments by 25% with debt repaid in 48 months or less.Ĭambridge Credit’s fees are based on the rules and regulations set by each state. In addition to credit, housing, bankruptcy, and student loan counseling, Cambridge Credit offers debt management plans and financial education, including articles, videos, guidebooks, and worksheets. Its counselors have an average of 14 years of experience and are certified with the Association for Financial Counseling and Planning Education, the Partnership for Financial Education, NeighborWorks, and the United States Department of Housing and Urban Development. We chose it as our runner-up because of its high ratings and experienced and certified counselors.Ĭambridge Credit is a member of the Financial Counseling Association of America (FCAA) and the Association of Independent Consumer Credit Counseling Agencies (AICCCA).

#ABACUS CREDIT COUNSELING FOR FREE#

The fee is not listed on its website, but it does provide the service for free to those who cannot pay.Ĭambridge Credit Counseling is a not-for-profit agency that has been providing credit counseling and financial literacy education since 1996.

GreenPath provides clients with a certificate to show they've completed credit counseling. For the enhanced service, which includes working with a client’s student loan servicers until a final resolution is reached, there is a $200 fee. GreenPath does not charge for a student loan counseling session. There is a $199 fee for reverse mortgage counseling and a $150 fee for pre-purchase counseling. GreenPath does not charge for mortgage delinquency or rental counseling.

#ABACUS CREDIT COUNSELING PLUS#

There is a one-time setup fee between $0 and $50 plus a monthly fee between $0 and $75 for debt counseling based on the state and how much debt is owed. GreenPath does not charge for a credit counseling session. Those looking for more personalized support can visit one of the agency’s numerous branch offices in over 20 states to speak with a counselor in person. GreenPath also provides its customers with free educational resources and tools, including articles, online classes, webinars, calculators, worksheets, and guides. The organization also assists clients with foreclosure prevention and support, homebuyer assistance, reverse mortgage counseling, and resources for renters.

GreenPath offers most standard counseling services including credit and student loan counseling, debt management, and bankruptcy support. We chose it as the best overall because of its long history and network of brick-and-mortar offices across the country. GreenPath Financial Wellness was founded in 1961 and has been helping people manage debt, foreclosure, bankruptcy, and credit challenges.

Abacus credit counseling