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See the Difference A Lower Interest Rate Could Make

Enter your current balance below to see how much you can potentially save.


We use an average interest rate of 8 percent. Actual interest rates will vary by client and creditor.

Financial Stability with A Debt Management Plan

GreenPath is a national nonprofit that believes that financial health is a path to achieving dreams. It means having stability and freedom. Having options and being able to work toward your goals. Our Debt Management Plan is designed to pay off your debt in 3-5 years. Here is how it works.

One Single Payment

You automatically deposit money into your GreenPath account, and we use that money to pay your debts on your behalf.

Lower Interest Rates

We may be able to arrange lower interest rates and monthly payments with your creditors *.

Pay Off Debt Faster

Once creditors agree to the program, collection calls stop, and you see your debts start to go down.

GreenPath's Services Have Been Featured in...

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Financial Freedom is Different for Each of Us

Taking control of day-to-day financial choices is the foundation for creating more opportunities. Because our dreams are that much closer when we’re financially healthy. Take the first step and call GreenPath today.

“My wife and I are so very grateful to have found GreenPath when we did. Having less stress about credit cards is such a game changer for us, knowing they are taken care of and getting paid is truly so nice.”

Anthony G| Lansing, MI via

“Whatever I wanted to pay, there was no pressure or struggle. It was awesome. GreenPath is the first one I will totally recommend because they’re amazing. ”

Marcio | Danbury, CT via

“They were very caring and empathetic. They told me exactly what I would need and they pretty much laid things all out for me.”

Hillary | Lake Orion, MI via


Budgeting Worksheet

Use this worksheet to calculate your monthly expenses and income to get an idea of what you have to work with.

GreenPath Learning Lab

Online Financial Courses

The LearningLab offers free financial courses and tools to enable a better understanding of money for a healthy financial life.

RealStories Podcast

Real$tories is a financial podcast where GreenPath clients and financial experts share their journey to become debt free.

Frequently Asked Questions

Debt management fees vary based on your state of residence and debt amount. GreenPath charges a one-time set up fee that ranges from $0 to $50. We also charge a monthly fee that ranges from $0 to $75. This is minimal considering the amount of money our clients typically save in waived late fees, waived over limit fees, and reduce credit card interest charges.

Since the goal of a debt management program is to pay off debt, the credit cards enroll in the program will be closed. Most creditors will usually allow you to continue using one card for emergencies and travel.

GreenPath does not contact the credit bureaus when you enroll in a debt management program. However, because you will be closing lines of credit during the enrollment process, your score may dip. But over time, most people see their scores increase, because they are making payments in-full and on-time each month.

Yes, they are different. Debt management plans are designed to pay off the entire amount you owe in 3 to 5 years. If we can lower your interest rates, the total amount you pay to your credit card company is typically less than if you paid on your own. Debt settlement typically involves requesting credit card companies to forgive a portion of your debt in exchange for a lump sum payment.

Contact GreenPath
A Trusted National Nonprofit of 60 Years

Depending on your situation, you may find debt relief through a debt management plan. These plans are designed to pay off your debt in 3-5 years and may stop collection calls and result in lower interest rates and monthly payments. Our goal is to help you pay off your debt faster and put money back in your pocket. Talk to a financial expert today.