Who is GreenPath?Who is GreenPath?
David W. Counselor
Free and Confidential Financial Education and Counseling
Industry Leader
Non-Profit
Over 300 partners!
•Face to face appointments•San Antonio, TX
•Immediate counseling•Telephone 877-337-3399
•Confidential
Call Center Hours: (EST)Monday –Thursday 8 a.m. – 10
p.m.
Friday 8 a.m. - 7 p.m.
Saturday 9 a.m. - 6 p.m.
NFCC and HUD CertifiedHighly Educated
Compassionate
Experienced Experts
Our CounselorsOur Counselors
“My counselor made me feel important, confident, qualified to be in charge.”
“The counselor was very sympathetic, and non-judgmental, very kind and compassionate...”
“The counselor was extremely nice and helpful she made me feel comfortable on a situation I was embarrassed about.”
“My counselor was concerned for my well being and talked to me not at me or down to me. She made me feel like a friend helping a friend.”
Our Counseling ProcessOur Counseling Process
2. Create a detailed budget
3. Develop a customized Action Plan
1. Review current financial situation & goals
With GreenPath, clients can expect:With GreenPath, clients can expect:
•A complete and thorough review of their financial situation with a compassionate, experienced counselor that will last about 1 hour.
•Non-judgmental, unbiased financial counseling based on their individual goals and needs.
•Discussion of options for the client to choose what is the right path for them.
•A complete Budget and Action plan that will be sent to them with solutions and educational tools to help them achieve their goals.
Credit Report ReviewCredit Report Review
Good credit is a marathon.
•Our counselors can help explain the components of a report, analyze what’s in their report, provide suggestions to improve their score, and tips on what to avoid
Ruined credit is a sprint.
If you’re a fan of surprises……avoid looking at your credit report
•Counselors can help develop an action plan to help improve credit reports & scores
•Free credit reports are available once a year at or by calling 877-322-8228
Housing DiscussionsHousing Discussions
HUD-approved housing counseling organization
Pre-Purchase - First-time Homebuyer Education
Reverse MortgageCounseling
MortgageDelinquency &Default
Student Loan Concerns?Student Loan Concerns?
• Counselors - SLA certified to discuss:• Payment options before college
Direct, Stafford & Perkins Loans, subsidized vs. unsubsidized, Federal, State & Pell Grants
• Payment options after collegeConsolidation, Graduated Payment Plans, Income Based Repayment (IBR), Pay As You Earn (PAYE), Public Service Loan Forgiveness (PSLF), deferment or forbearance
• GreenPath is a member of the Student Loan Alliance (SLA)
• Student loan debt exceeds credit card debt – national crisis• Over one third of borrowers under the age of
30 are more than 90 days delinquent*
•Clients have access to a debt repayment plan accepted by creditors nationwide
•Counselors work with creditors to negotiate concessions and/or payment arrangements (lower
interest rates, waive late & overlimit fees, re-age accounts)
Debt Management PlanDebt Management PlanDebt
Repayment Options
*Monthly fee for a DMP
•Averages $35 per month•Based on total amount of debt being managed •Not recommended unless it will be a benefit to the client (counselors do not have quotas to meet or receive incentives for setups – fewer than 33% of those counseled will set up on a DMP)
Military Counseling CertificationMilitary Counseling CertificationFIGHTING FOR THOSE WHO FIGHT FOR US
E-Courses
Webinar Wednesdays
Over 250 Articles!written by Counselors
Ask the Expert
Fully Interactive Calculators
Engaging Educational Games
and Videos
Educational Resources - GreenPath Website
www.greenpath.org/university