Who is GreenPath?Who is GreenPath?

David W. Counselor

Free and Confidential Financial Education and Counseling

Industry Leader

Non-Profit

Over 300 partners!

Quality Counseling Quality Counseling

50+ Locations, Licensed Nationwide 50+ Locations, Licensed Nationwide

•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.”

Holistic Financial Counseling

.

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

Debt Management PlanEducational Webinars – Live, Free! 12pm EST

QualityQuality IntegrityIntegrity CompassionCompassion

866-234-4767www.greenpath.org

Tina Ponder

Questions?

Flexible Hours: (EST)Monday –Thursday 8 a.m. – 10 p.m. Friday 8 a.m. – 7 p.m.Saturday 9 a.m. – 6 p.m.