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Whether you're interested in developing a workable spending and savings plan, getting out of debt, understanding and improving your credit report, buying a home, or planning for your financial future, your credit union or employee assistance program wants to help. That's why they've provided access to free and confidential financial counseling and education through BALANCE.

We're a financial education and counseling service committed to helping individuals and families nationwide take control of their finances and reach their goals. On this site, you’ll find information about what we do, who we are and how we can help you master your money. You may also want to check out our financial education center for articles on a wide variety of credit and financial topics, and a full suite of other on-line tools and resources.

Our Vision
By partnering with organizations that assist us in promoting our services to millions of Americans, we develop and implement financial solutions to empower individuals and families to avoid bankruptcy, make informed spending choices, increase savings, and reach goals of home ownership, running a business, funding college education, retirement and more.

BALANCE is a proud supporter of the National Credit Union Foundation and their work toward helping credit union members become financially self-sufficient.

Client Worksheet
For clients participating in a debt and money management counseling session, you can download the client worksheet, Personal Financial Assessment, by visiting the Forms page.
Publications
Learning about money is as important as earning it. Just about everyone could learn more about how to manage income, handle a budget, and read a credit report. Learn more...
Have you lost your job or had your hours cut? Are you worried about paying your mortgage? If so, you are not alone. Currently, millions of Americans are struggling to make ends meet. The following articles provide information to help you survive the financial crisis.
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