![]() These organizations also have databases to help you find a credit counselor in your area. If you’re interested in working with a credit counseling service, ideally you should work with one that’s certified and affiliated with the National Foundation for Credit Counseling or with the Financial Counseling Association of America ( FCAA). It’s important to know that there are a variety of credit counseling service companies, including nonprofit, free and for-profit companies. Credit counseling can help you create a debt management plan, develop a plan to pay off your student loans, help you review your credit report for errors, educate you on purchasing a home and even help you avoid foreclosure or bankruptcy. If you’re struggling with money issues, such as a large debt burden, credit counseling services are available to help. Those in need of free, personalized financial advice to help them through a difficult financial situation can turn to these resources for help: Credit Counseling Services Reach Out to Financial Services Associations All of these institutions understand the value of financial education and how it relates to the well-being of customers and employees. You can find these free tools through your bank, online brokerage account, 401(k) provider or employer’s HR resources. There may also be educational videos that break down complicated financial topics or games to help you grasp financial concepts. If you have existing accounts with a financial institution, it likely will have free tools and resources to help you learn more about finances.Īvailable tools may include free apps to help with money management, like budgeting or automated bill pay, or online educational hubs. Tap Into Your Existing Financial Resources Whether you’re looking for advice on how to navigate your current financial situation or want to become financially literate for the future, there are resources available to help you find free professional financial advice. When you’re in financial need, the last thing you want to worry about is how you’ll pay for help.
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