Let's be straight: debt coaching isn't free. But for most people carrying $15,000+ in debt, the real question isn't whether you can afford coaching — it's whether you can afford NOT to have a plan.
Here's exactly what it costs and what you get. When you're ready, see how to hire a debt coach.
No commitment required. We'll talk through your numbers and I'll tell you honestly if coaching makes sense for your situation.
Before you decide if you can afford coaching, let's look at what your debt is already costing you every single month.
No setup fees. No hidden costs. No upsells. Here's exactly what each plan includes.
Cancel anytime with 7 days notice
Best for: People who want to try coaching before committing to a longer plan.
Save $600 vs monthly — $1,800 total
Best for: Anyone serious about getting out of debt. Six months is where real momentum builds.
Lowest rate — $3,000 total
Best for: Larger debt loads. Full year of support to finish the job.
All plans billed monthly. No lump sum required upfront. No upsells, no hidden fees — just coaching.
Most people focus on the cost of coaching. They forget what their debt is already costing them every month in interest alone.
The question isn't whether you can afford coaching. The question is how much longer you want to keep paying interest with no end in sight.
All three plans include the same comprehensive coaching. The only difference is the commitment length and price per month.
Built around your exact balances, interest rates, and income. Not a template, not a generic app. Your plan.
Regular check-ins that keep you from falling off track. Someone who cares if you actually finish this.
Text or email anytime. Real responses, usually same day. No "contact us form" — direct access.
In your first session, you'll know when you'll be done. A clear finish line keeps you motivated.
It depends on your debt balance. If you have $5,000 in debt and the discipline to knock it out in 12 months, you probably don't need coaching. But if you've been carrying $20,000+ for years and can't seem to move the needle, the math almost always works in coaching's favor.
It depends on your history with debt. Some people just need a system. Others need a system AND someone to keep them accountable. If you've tried budgeting on your own and kept sliding back into old habits, that's what coaching solves.
The free call tells you definitively. In 30 minutes, we'll look at your actual numbers. If coaching makes financial sense for your situation, I'll tell you. If it doesn't, I'll tell you that too. There's no pitch, no pressure — just a real conversation.
There's no free trial, but the first call is completely free. That 30-minute call will tell you definitively whether coaching makes sense for your situation before you spend a dollar.
No. The monthly price covers everything. No setup fees, no add-ons, no products to buy. What you see on the pricing page is what you pay.
The monthly plan can be canceled anytime with 7 days notice. The 6-month and 12-month plans include a commitment period. Full details are on the terms page.
Most debt coaches charge $150-500/month, with some charging significantly more for premium packages. The value isn't in the price — it's in the results. The right question is: which coach will actually help you get out of debt faster? If you're weighing coaching against credit counseling, see our debt coach vs. credit counseling comparison.
Yes — all plans are billed monthly. You never pay a lump sum upfront.
Get your teen financially prepared before they leave home.
$497
4 live group sessions for ages 16-20 — Money foundations, budgeting, banking, credit, student loans, and future planning.
Learn More About Teen Program →"He helped me during a financial crisis and helped me allocate my resources."
"He was calm and patient—and I did not feel judgment at all."
"I would recommend him to anyone sick of being in debt and living paycheck to paycheck."
Not sure if $250–$400/month makes sense for your situation? Start with a free 30-minute conversation.
We'll look at your actual numbers and I'll tell you honestly if coaching pencils out. If it doesn't, I'll tell you that too. No pitch, no pressure, no obligation.
📅 Book Your Free 30-Minute CallOr call directly: (863) 256-2406