The Direct Answer

At Goalpost Finance, debt coaching costs $250/month for a relationship designed for 12 months, or $400/month for a focused 1–6-month engagement. Both are billed monthly, include the same service, and can be canceled anytime. The introductory 30-minute call is free.

Both plans include a 90-minute assessment, your personal plan, private 30-minute calls every two weeks, text and email support with replies within one business day during business hours, and your Goalpost portal. Compare the two coaching plans.

Other coaches set their own rates and may charge by the hour, by the package, or monthly. Compare the actual work and total cost, not just the advertised starting price. Coaching fees are separate from the payments you make to creditors.

If you are seeking negotiated creditor payments, start with the comparison of coaching and credit counseling. Goalpost helps you build and follow a payoff plan; it does not settle debts or negotiate with creditors.

How Debt Coaches Charge

A quote may cover one appointment, a set of sessions, or ongoing support. The billing structure tells you when you pay; the scope tells you what that payment includes.

Hourly. You pay for a defined appointment. Ask whether preparation, a written plan, and follow-up questions are included. This can fit someone seeking help with a specific decision.

Package pricing. You pay for a defined number of sessions or a program. Ask about the payment schedule, access between sessions, unused appointments, and refund terms.

Monthly coaching. You pay a recurring fee. Ask how often you meet, whether plan updates and between-session questions are included, and how cancellation works. At Goalpost, both monthly options include the same direct support with Sam.

Compare Fees and Scope

A session price and a monthly fee are not directly comparable until you know what is included. Use the same questions for each quote, then decide which support you would actually use.

  • Calls: how long they last, how often you meet, and whether the same person works with you.
  • Between sessions: whether messaging, plan changes, and questions are included or billed separately.
  • First month: any setup fee or separate charge for the initial assessment.
  • Total commitment: the minimum term, any prepaid amount, and what happens if you stop.
  • Household coverage: whether both partners can participate under one fee.

Compare the cost over the period you are considering. At Goalpost, three months of focused coaching at $400/month would total $1,200; twelve months of ongoing coaching at $250/month would total $3,000. Those are examples of the cost if you stay for those periods, not prepaid amounts or minimum commitments. Both plans are billed monthly and can be canceled anytime.

Then compare the work: a written plan, scheduled reviews, help with questions between calls, and updates when your income or expenses change. Those details determine whether the fee buys the support you need.

What Goalpost Finance Charges

Pricing is published publicly here because you deserve to know what something costs before you get on a call. See the full services and pricing page for every detail.

$250/month — Ongoing Coaching

Our lowest monthly rate, designed for 12 months of work. Billed monthly and cancel anytime. The plan includes a 90-minute assessment, your personal plan, 30-minute calls every two weeks, text and email support with replies within one business day during business hours, and your private portal.

$400/month — Focused Coaching

A focused 1–6-month engagement for a specific goal, such as a debt payoff plan around a bonus, inheritance, or business income, with the same service and direct support as the 12-month plan. Billed monthly and cancel anytime. There is no difference in scheduling priority or response access between the two plans.

What both Goalpost plans include

  • Work directly with Sam Krupit, AFC®. Your assessment, coaching calls, and between-session questions stay with the same Accredited Financial Counselor®, virtually anywhere in the United States.
  • A 90-minute first paid assessment. Review income, actual spending, bills, savings, and debt together, then build a personal plan with a payment order and projected payoff timeline when relevant.
  • Private 30-minute calls every two weeks. Review what happened, agree on written next steps, and adjust the plan as life changes.
  • Text and email support. Ask Sam questions between calls, with replies within one business day during normal business hours.
  • Your private Goalpost portal. Keep your budget, goals, session notes, and action items together between meetings.
  • Both partners included in one coaching fee. Couples can work on the household plan together without a separate fee for each person.

Start with a free 30-minute call with Sam to discuss your goals, the support you want, and whether working together fits your budget. Your personal plan is built through paid coaching, beginning with the 90-minute assessment.

There are no hidden fees, no upsells, and no referral revenue. The only income from a client is the coaching fee they pay directly.

How Debt Coaching Compares to Other Options

Debt coaching isn't the only way to get help with debt, and different situations call for different tools. Here's an honest comparison:

Option Cost to check What You Get What to ask
Goalpost debt coaching $250–$400/month A 90-minute assessment, personal plan, calls every two weeks, text/email support, and private portal with Sam, AFC® How will the coaching fee and repayment plan fit your monthly cash flow?
Credit Counseling / DMP Ask the agency for setup and monthly fees Negotiated interest rates, single monthly payment to one agency Ask which creditors will participate and whether enrolled accounts must close
Debt Settlement Ask how fees and total program costs are calculated Potential reduction in total balance owed Ask about missed payments, credit and collection risks, and possible tax consequences
Financial Advisor Hourly, project, subscription, or asset-based fees; ask the practice Planning scope varies; may include budgeting, debt, taxes, retirement, and investments Ask whether everyday cash flow and ongoing implementation support are included
DIY / Budgeting App Free and paid options; check the current subscription price Spending visibility, transaction tracking Ask what personal support is included and what costs extra

Goalpost prices checked November 6, 2026. Other services vary; request current written terms directly from the provider.

A few things worth saying about the alternatives:

Credit counseling is a legitimate option — particularly for people who want negotiated rates and a single monthly payment. A debt management plan requires creditor participation, and enrolled accounts may need to close. Ask what counseling and budget support are included. It fits certain situations well. It isn't right for everyone. See the full breakdown: Credit Counseling vs. Financial Coaching →

Debt settlement can involve missed payments, added interest and fees, credit damage, and collection or lawsuit risk. The CFPB warns about fees charged before a debt is resolved, you have accepted the agreement, and you have paid the creditor under it. Read the CFPB’s comparison. Canceled debt may be taxable, but exceptions and exclusions can apply, including bankruptcy and insolvency. See the IRS guidance and discuss your situation with a tax professional.

Financial advisors may also help with debt and cash flow. Ask about their scope, fees, any asset requirements, and how often they help you implement the plan. Goalpost focuses on everyday money management and follow-through, and does not provide investment advice.

The Math on Whether It's Worth It

This is the question that actually matters. Let's run the numbers on a straightforward scenario.

For this illustration, use a $30,000 balance at a hypothetical fixed 22% APR, with interest added monthly before each payment. Compare fixed payments of $600 and $900, with no new borrowing, fees, or rate changes. The final payment is reduced to the remaining balance.

$30,000 at 22% APR — Two Scenarios

Fixed payment of $600/month:

  • Payoff timeline: 137 months (about 11 years, 5 months)
  • Total interest paid: about $52,068

Fixed payment of $900/month:

  • Payoff timeline: 52 months (about 4 years, 4 months)
  • Total interest paid: about $16,788

Illustrated difference: about $35,280 in interest and 85 months.

Twelve months at $250 per month costs $3,000, separate from debt payments and interest. The difference above comes from sustaining a $300 larger monthly payment; it is not a measured coaching result. Your budget needs to cover the payment and any service fee without creating more debt.

Use the free debt payoff calculator to run the numbers on your own balance and payment level. We've also done a deeper dive on the full ROI case on The Math page.

The useful question is what would help you follow a sustainable plan, and whether that support fits your budget. The numbers and the follow-through both matter.

The other thing worth noting: coaching doesn't need to last the entire payoff timeline. The goal is to build a working system, establish the habits, and create a plan that runs without needing someone to hold it together. A focused 1–6-month engagement or an intended 12-month relationship can help you build a plan to keep using after coaching ends.

For a deeper look at whether coaching makes sense for your specific situation, see: Is Debt Coaching Worth It? An Honest Answer →

What to Ask Before Hiring Anyone

Whether you work with Goalpost Finance or someone else, here are the questions that separate legitimate coaching from something that will waste your time and money:

Do they earn anything beyond the coaching fee?
Referral fees, affiliate links, product commissions — any of these create a conflict. Ask how compensation works and whether it affects the recommendations you receive. Goalpost earns only its coaching fee.

What does a typical engagement actually involve?
Get specifics: How often do you meet? What happens between sessions? Who do you contact with questions? How does the plan change when life does?

Are they selling you something alongside the coaching?
Insurance, investment products, credit repair services, a course — ask which services are optional, what they cost, and whether you can buy coaching on its own.

What's the cancellation policy?
Know how to exit before you sign anything. Legitimate coaches have clear, fair terms.

Can they explain their actual methodology?
Ask to see how the coach reviews a plan and adjusts it. This fictional checking-buffer example shows how Sam connects a goal, a payday plan, and a monthly review.

Frequently Asked Questions

Is debt coaching the same as credit counseling?

No. Credit counseling — and the debt management plans (DMPs) that come with it — is typically offered through nonprofit agencies that negotiate with your creditors to reduce interest rates and consolidate your payments. Debt coaching is 1-on-1 accountability and strategy work that doesn't involve creditor negotiations. Different tools for different situations. Full breakdown: Credit Counseling vs. Financial Coaching →

Is a more expensive coach automatically better?

Not necessarily. Price reflects business model, certifications, experience, and overhead — not outcomes. What matters is what the engagement actually involves: how often you connect, what access you have between sessions, how accountability actually works, and whether the coach knows your situation over time. Ask about the structure, not the price.

Can I just do this myself?

Yes — and some people do. If you have a clear plan, strong self-accountability, and a track record of following through on financial goals independently, you may not need a coach. Most people who seek out coaching have already tried going it alone. The missing piece usually isn't information or even a plan. It's the accountability layer that keeps the plan alive when motivation drops. See: Do I Need a Debt Coach or Can I Do This Alone? →

What's the difference between a debt coach and a financial advisor?

Some financial advisors provide budgeting and debt planning alongside investment and retirement advice. Goalpost focuses on everyday cash flow, a personal debt-payoff plan, and ongoing accountability. Ask each provider what they do and how they support implementation. More on the differences →

Does insurance cover debt coaching?

No. Debt coaching is not a medical or licensed financial advisory service, so standard insurance products don't apply. Some employers offer financial wellness benefits as part of their benefits package — worth checking before paying fully out of pocket.

How long does a coaching engagement usually last?

At Goalpost, ongoing coaching is designed around 12 months of building and practicing a money system. Focused coaching is intended for a specific goal over 1–6 months. Both plans are billed monthly and can be canceled anytime. Your debt payoff timeline may be longer than your coaching relationship; the aim is a plan and habits you can keep using.

Not Sure If Coaching Makes Sense for Your Situation?

Book a free 30-minute introduction with Sam. Discuss what you want to change, ask about the support and cost, and decide whether ongoing coaching fits. Your personal financial assessment is the first paid, 90-minute session.

Book Your Free 30-Minute Call

Zero pressure. If coaching doesn't make sense for you, I'll tell you.