
GreenPath Financial Wellness Reviews
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About GreenPath Financial Wellness
GreenPath Financial Wellness is a nonprofit company offering credit counseling and debt management services. Founded in 1961, it helps consumers in all 50 states with free and paid offerings. The company isn’t affiliated with any bank and is a neutral third party working in your interest. GreenPath credit and debt counselors are certified by the National Foundation of Credit Counseling (NFCC) and help students, homeowners, homebuyers and consumers with credit card debt.
- NFCC-certified counselors
- Free counseling services
- Serves all 50 states
- Many offices don’t provide in-person counseling
- Fees for debt management and certain housing services
Helpful Reviews
What is GreenPath Financial Wellness?
GreenPath Financial Wellness is a nonprofit credit counseling and debt management company. It aims to be an educational resource and company that works in your best interest while helping you navigate financial struggles. It’s not affiliated with any bank or lender.
In 2025, GreenPath Financial Wellness helped over 120,000 clients and helped close 36% of debt management plans, and over $280 million was paid through its program toward debts on DMPs.
GreenPath’s NFCC-certified counselors can help you manage credit card debt and student loans. The company's programs also help with homeownership challenges, such as preventing foreclosure, taking out reverse mortgages or navigating home buying. Most of its services are over the phone, but a few of its offices do offer in-person appointments.
GreenPath Financial Wellness also partners with over 550 credit unions to bring its financial services to the banks’ members.
How does GreenPath Financial Wellness work?
GreenPath Financial Wellness has several programs, depending on which financial aspects you need help with. In general, you’ll start by calling or requesting a call with one of its counselors. The counselor will review your circumstances, help you make a budget and explain your options. To receive the most accurate budget, have your billing statements handy.
Once you choose your best option, your counselor creates a plan to help you reach your financial goals. Sessions are typically an hour long but can be split if needed.
Here’s how the process works for the debt management program:
- On payday, deposit funds into your GreenPath account.
- GreenPath helps you secure lower interest rates and reduce your monthly payments.
- Greenpath pays your creditors on your behalf.
- Pay off your debt faster than you would have without a debt management plan.
GreenPath Financial Wellness services
Here’s what GreenPath Financial Wellness can help with:
- Credit and debt counseling: Explores your financial situation and goals, then offers a personalized action plan to get you out of debt.
- Student loan counseling: Counselors review your student loans and find repayment choices based on the kind of loans you have.
- Renter and housing counseling: Gives referrals to resources providing financial support to renters. Can also help create a plan to prioritize paying rent when unexpected circumstances change your financial dynamics.
- Credit report review: An AI chatbot talks through your credit scores and report to help you better understand the information.
- Debt management program: Consolidates your debt into one monthly payment and creates a three-to-five-year plan to pay it all off.
- Foreclosure prevention and support: Discusses your options for preventing foreclosure and provides refinancing support by contacting your mortgage servicer with you on the line.
- Homebuyer counseling: Counselors help you understand various parts of the home buying process, including realtor roles, mortgages and lenders, escrow accounts, homeowners insurance and more.
- Reverse mortgage counseling: Helps you understand the cost, benefits and drawbacks of getting a reverse mortgage on your home.
- Housing classes: Five classes are offered, including free online courses on various financial health topics, such as improving your credit rating, creating and maintaining a budget and protecting yourself from identity theft. Other courses can help you manage your money, make informed decisions when buying a house and navigate the foreclosure process.
How much does GreenPath Financial Wellness cost?
GreenPath Financial Wellness offers free general financial counseling, such as credit and debt counseling. Specialized services like its debt management program, reverse mortgage and homebuyer assistance have a one-time or monthly fee.
Here’s a chart showing what you can expect to pay when working with the company:
| Service | Cost |
|---|---|
| Credit and debt counseling | Free |
| Student loan counseling | Free |
| Renter and housing counseling | Free |
| Credit report review | Free |
| Foreclosure prevention and support | Free |
| Mortgage delinquency counseling | Free |
| Pre-home purchase counseling | $150 |
| Reverse mortgage counseling | $199* |
| Debt management program | Avg of $35 enrollment fee + $28 monthly fee |
GreenPath Financial Wellness FAQ
Can I still use my credit cards on a debt management program?
You can still use your credit cards on a debt management program, but you are encouraged to stop and even close your credit card accounts to prevent further debt from accruing. You might still be allowed a credit card for emergency purposes.
How long will it take to pay off my debt?
Most plans aim to have debts fully paid within three to five years, depending on the total amount of debt and the agreed-upon monthly payments.
Will working with GreenPath Financial hurt my credit?
Yes, working with GreenPath Financial or any reputable credit counseling agency to enter into a debt management program may initially lower your credit score, but making consistent payments over time can improve it over time. Closing accounts can affect your credit utilization ratio and credit history length, thereby lowering your credit score.
How do I get started with GreenPath Financial?
To get started with GreenPath Financial, call the toll-free number (866-476-7284) to request a counseling session.
Does GreenPath Financial work with all types of debt?
No, GreenPath Financial does not work with all types of debt. The company mainly works with unsecured debt. GreenPath Financial does not work with secured debt, such as mortgages, auto loans, child support and tax debt.
Still have questions?
Is GreenPath Financial Wellness legit?
Yes, GreenPath Financial Wellness is a legitimate debt management plan company. The company has been around for over 60 years and serves all 50 states, and its counselors are certified by the NFCC. As a nonprofit, they offer many free or low-fee services to help better your financial health.
GreenPath Financial Wellness is a great option for those looking for free counseling services to help manage debt or for guidance on homeownership. However, many of its offices don’t provide in-person counseling, so if that’s a priority for you, it may be best to look for a different company.
GreenPath Financial Wellness Reviews
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GreenPath Financial Wellness Company Information
- Company Name:
- GreenPath Financial Wellness
- Year Founded:
- 1961
- Address:
- 36500 Corporate Dr
- City:
- Farmington Hills
- State/Province:
- MI
- Postal Code:
- 48331
- Country:
- United States
- Website:
- www.greenpath.org
