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What is Financial Counseling?

We all need some type of counseling from time to time. Whether it’s marriage counseling, career counseling, or talking to a life coach, we all need professional advice at some point in our lives. This also applies to your finances. Financial counseling can help you create a budget, gain more financial literacy, and avoid consumer debt. Let’s take a look at some different types of financial counseling:

what is financial counseling

Credit Counseling

Credit counseling is offered free of charge by nonprofit credit counseling agencies, like ACCC! Counselors will assess your current financial situation with you, and provide you a detailed review of your income, assets, and expenses. Then, they give you personalized options based on your goals. These could include getting enrolled in a debt management program or recommending legal assistance.

Bankruptcy Counseling

If you plan on filing bankruptcy, you must go through bankruptcy counseling first. Bankruptcy counseling helps you to analyze your financial situation to enable you and your legal counsel to make well-informed decisions.

Student Loan Counseling

Generally, student loan counseling educates former, current, and future students about student loan debt. It may be a good idea to speak to a student loan counselor before taking out student loans. That way, you are aware of the financial implications of student loans, and it may help you start thinking about a repayment plan for after you graduate.

Reverse Mortgage Counseling

This type of financial counseling provides consumers with unbiased information about reverse mortgages. This counseling is also mandatory. Going through reverse mortgage counseling is part of the reverse mortgage application process. All of these counselors are certified by HUD.

If you are struggling with your finances, ACCC can help. Call 800-769-3571 to speak to one of our certified credit counselors.

ABOUT AUTHOR / Madison

Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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