Financial Programs and Services


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Financial planning involves a series of important decisions. You need to comprehensively evaluate your financial situation, set realistic financial goals, think through all your financial options for saving and investments, and take action.

Professional counselors and trusted agencies, such as banks, credit unions, or nonprofit organizations, can help you think long-term and make smart decisions. Here are resources for more information on financial planning counseling, banks and credit unions, and credit counseling.

Financial Planning Counseling

Financial planners and advisors can help you meet your financial goals though savings, investments, withdrawal choices, retirement planning, estate planning, and more. You may qualify for free or discounted financial planning services in local areas. Learn more.

Banks and Credit Unions

A reputable bank or credit union can be a great, low-cost way to manage your finances. Learn more.

Credit Counseling

If you pay more than 20% of your income to cover debt payments, then you also may benefit from financial advice from a credit counselor. A good credit counselor can help you organize your finances and develop a budget, along with providing you some basic financial education. Cost for this type of counseling can vary a lot from company to company. Some nonprofit agencies may offer free counseling. Others may charge an initial enrollment fee and/or monthly maintenance fees. Many agencies also offer hardship waivers for these fees, so be sure to ask.

Learn more about credit counseling:

  • Get advice from the Federal Trade Commission on how to select a credit counseling service.
  • A list of approved credit counseling agencies is available from the U.S. Department of Justice. Get the list.