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Financial Resilience

Becoming fiscally stable requires income and a skillset to manage your financial resources. 70% of Americans live paycheck to paycheck, and 64% of Americans cannot cover an emergency of a thousand dollars without borrowing money. The average person owes nearly a quarter of each paycheck to consumer debts: student loans, credit cards, and car loans. As living expenses rise and debt grows, the need for affordable support for debt reduction and money management is crucial.

Staying Ahead of Your Creditors

Few stressors in life are more distressing than having creditors calling and then feeling out of control because your spending has exceeded your income. It is overwhelming! Trouble with debt cuts across all social strata from doctors, professors, lawyers to clerks and food service employees. Those who make over $100,000 annually and those who live below the poverty level may owe beyond their ability to pay their bills. Debt is debt.