A Custom Payoff Plan
Payday arrives and three cards need payments. We put your balances, rates, and upcoming bills into one plan, so you know which debt to focus on and what you can afford to send.
Debt coaching for a payoff plan you can stick to.
Making payments but barely seeing the balances move? Work directly with Sam to choose a payoff order, find a payment that fits your budget, and keep making progress when life gets expensive.
Let's talk about why your balances feel stuck and what your debt-free date could look like. Your first 30 minutes with Sam are free.
No long-term contracts
Free 30-min consult included
Virtual support throughout the United States
No hard sell, ever
A personal plan for paying off debt
Goalpost Finance provides one-on-one debt coaching for people who have income to work with but need a realistic repayment plan and help following it. Sam reviews your balances, rates, minimum payments, and cash flow with you, then helps you decide what to pay first and how much you can sustain.
Your plan includes a projected debt-free date and regular adjustments as your spending and circumstances become clearer. Goalpost does not lend money, settle debts, or negotiate with creditors.
The recommended plan is $250/month, designed for 12 months of work. The $400/month option lets you decide one month at a time. Both include the same support, are billed monthly, and can be canceled at any time.
Both include a 90-minute assessment, a personal plan, private calls every two weeks, unlimited text and email support, and your Goalpost portal. You work directly with Sam Krupit, founder of Goalpost Finance, virtually across the United States. No commissions, product sales, or referral fees.
See services and pricing · Read client reviews
Comparing options? See debt coaching fees and what to ask before hiring, or walk through a fictional coaching example.
If you need lower creditor payments or cannot cover essentials and minimums, compare debt coaching and nonprofit credit counseling before paying for ongoing support. If the balances are manageable but follow-through keeps slipping, explore help with spending habits and accountability.
What You Get When You Hire a Debt Coach
Someone in Your Corner
The car needs a repair and the payment you planned no longer fits. Text Sam. We look at what can change this month while keeping your essential bills and bigger goals in view.
A Projected Debt-Free Date
See the month and year your payments are working toward. When your budget changes, we update the projection together so you can see how today's decisions affect your debt-free date.
Accountability That Actually Works
At your private call every two weeks, we compare the plan with what actually happened. If you had to use a card again, we work out why and adjust the next month. You keep moving with support between sessions.
Is This the Right Time to Hire a Debt Coach?
You're ready if:
- • You're tired of going in circles with debt
- • You make decent money but can't seem to get ahead
- • You've tried budgeting apps and they haven't worked
- • You want a real human to look at your numbers with you
- • You're ready to commit for at least a few months
You might not be ready if:
- • You're looking for a quick fix or magic solution
- • You're not willing to make any changes to your spending
- • You're already managing your debt fine on your own
What Hiring a Debt Coach Looks Like — Step by Step
1
Free & No Commitment
Book Your Free 30-Minute Call
Talk about what is keeping you in debt, how the service works, and whether it fits what you need.
2
Session 1
We'll Review Your Full Debt Picture Together
All your balances, interest rates, income, spending patterns—everything. You'll walk away from that first session knowing exactly where you stand.
3
Your Custom Plan
If It's a Good Fit, You'll Get a Custom Plan and We Get Started
Your personalized payoff strategy, your projected debt-free date, and your first month's action steps.
4
Ongoing Coaching
Bi-Weekly Calls Keep You on Track
Every other week, we review your progress, troubleshoot obstacles, celebrate wins, and adjust the plan if needed.
The Goal
You Hit Your Debt-Free Date
Work toward clearing your balances and building habits that help you avoid borrowing again. Your actual payoff date depends on the payments you make and how your circumstances change.
Not sure if coaching is right for you? See how debt coaching compares to credit counseling — or see the full pricing breakdown.
Choose Your Plan
Most Popular · Best Value
12-Month Coaching Plan
$250
/month
Billed monthly
- Everything in the monthly plan
- Designed for 12 months of ongoing support
- Same direct text and email support
- Private calls every two weeks
- Your personal plan and private portal
- Cancel at any time
Best for: People who want time to build a routine and work through setbacks, at the lowest monthly rate.
Choose 12 MonthsMost Flexible
Month-to-Month Coaching
$400
/month
Billed monthly
- 90-minute initial financial assessment
- Bi-weekly coaching calls (30–45 min)
- Custom budget and debt payoff plan
- Unlimited text and email support
- Monthly progress tracking
- Cancel anytime
Best for: Anyone who wants the full coaching experience while deciding one month at a time.
Choose Month-to-MonthNot Sure Yet?
Free 30-Minute Consult
Free
A free first conversation. No obligation to sign up.
- Talk about your debt and what you want to change
- Understand how working together could help
- Learn what a payoff plan would look like for you
- Ask about the process, cost, and fit
- No hard sell, ever
Best for: Anyone who wants to understand their options before committing to a plan.
Book Your Free CallBoth options include the same service and can be canceled at any time. The $250/month plan is designed for 12 months; the $400/month option is month-to-month.
Frequently Asked Questions
Can a debt coach help with credit card debt?
Yes. We review card balances, interest rates, minimum payments, and the spending that may be adding to them. You get a payoff order, an affordable target payment, and regular check-ins to adjust the plan.
How much does a debt coach cost at Goalpost Finance?
The recommended plan is $250/month, designed for 12 months of work. The $400/month option lets you decide one month at a time. Both include the same support, are billed monthly, and can be canceled at any time. Both include a 90-minute assessment, a personal plan, private calls every two weeks, unlimited text and email support, and your Goalpost portal. See services and pricing.
Will I get my debt-free date on the free call?
If you have enough information handy, we may be able to discuss a rough estimate. The free 30-minute call is an introduction to your situation and Sam’s services. A detailed payoff plan is developed when we work together and updated as your real spending becomes clearer.
Does a debt coach negotiate with creditors or settle debt?
No. Goalpost does not contact creditors, settle balances, issue loans, or tell you to stop paying. The service is personal planning, money habits, and follow-through. Compare the different debt payoff options.
When might credit counseling be a better fit?
If you need help with creditor payments or interest rates, a nonprofit credit counselor can explain whether a debt management plan is available. If essentials and minimum payments already exceed your income, first explore options that address that shortfall. Compare the services.
What if I have already tried a debt payoff plan?
Bring what you have tried. We look at where the plan stopped working: an unrealistic payment, irregular bills, new borrowing, or a routine that was hard to maintain. The next version needs to address that pattern, not simply repeat the same numbers.
Can I work with Sam outside Florida?
Yes. Goalpost provides virtual financial coaching throughout the United States. You work directly with Sam, with private calls every two weeks and text and email support between sessions.
Work directly with Sam
I'm Sam Krupit, AFC®, an Accredited Financial Counselor®. I combine financial counseling training with 10+ years coaching athletes and students to help you build a debt payoff plan and follow through.
Business Education
Bachelor's in Business Administration with training in finance, accounting, and economics.
10+ Years Coaching
10+ years coaching athletes and students. I know how to motivate people and build accountability.
Real-World Experience
Worked in credit repair and saw firsthand how debt destroys lives—and how the right plan fixes it.
Same Playbook
The coaching skills that help athletes win are the same ones that help people get debt-free.
We're not licensed financial advisors. We're coaches who help people build budgets, pay off debt, and take control of their money.
Learn More About Sam →Let’s find your way out of debt.
You do not need to have the perfect budget before reaching out. Tell Sam what is keeping you stuck, and talk through how a personal payoff plan and ongoing support could help. Your first 30-minute conversation is free, with no obligation to sign up.
If coaching isn't the right fit, we'll tell you honestly—no hard sell.
Book Your Free 30-Minute CallPrefer to send a message? Contact Sam here. Or call (863) 256-2406.