A Custom Payoff Plan
Built around YOUR income, YOUR debt, YOUR life. Not a generic spreadsheet template. We'll create a plan that actually fits your situation—because no two debt situations are the same.
Hire a Debt Coach — Get a Real Plan and Get Out of Debt
You've tried figuring this out on your own. You've made spreadsheets. You've started budgets. Something keeps getting in the way — and the debt stays. Hiring a debt coach is how you stop spinning your wheels and start making real progress.
No commitment. No pitch. Just a real conversation about your debt.
No long-term contracts
Free 30-min consult included
100% virtual — work with us from anywhere
No hard sell, ever
What Does a Debt Coach Actually Do?
A debt coach is someone who works with you one-on-one to build a realistic payoff plan around your actual income and debts — and then keeps you accountable to it, every two weeks, until the balances are gone. It's not a loan, a consolidation product, or a service that talks to your creditors for you. It's coaching: a real person who looks at your numbers, helps you decide which debts to attack first, and makes sure you don't quietly give up three months in.
That accountability is the part that's hard to do alone. Most people don't stay stuck in debt because they lack information — payoff calculators and budgeting apps are everywhere. They stay stuck because there's no one checking in when a hard month hits and the plan starts to slip. When you hire a debt coach, that follow-through is exactly what you're paying for: someone in your corner who adjusts the plan when life happens instead of letting it fall apart.
If you're still weighing your options, it's worth understanding how coaching compares to the alternatives. We break it down in detail in debt coach vs. credit counseling, and you can see every route side by side — consolidation, settlement, bankruptcy, and coaching — on our compare debt payoff options page. A debt coach is different from a financial advisor (who manages investments) and a credit counselor (who often routes you into a debt management plan tied to the creditors). A coach answers only to you.
What You Get When You Hire a Debt Coach
Someone in Your Corner
Bi-weekly calls, unlimited text/email support. You're not doing this alone anymore. When you hit a roadblock, when you're struggling, when you need a pep talk at 2am—we're here.
Your Exact Debt-Free Date
In your first session, you'll know the exact month and year you'll be done. Having a real date changes everything—it's no longer an abstract goal, it's a target you can aim at.
Accountability That Actually Works
People with accountability are far more likely to reach their goals. That regular check-in, that shared commitment, that person who asks "how did you do this week?"—it works.
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
No commitment, no pitch. Just a real conversation about your debt and whether coaching could help.
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 exact 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
Not "someday." Not "eventually." On the exact date we calculated together. Financial freedom achieved.
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
6-Month Coaching Plan
$300
/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 with 7 days notice
Best for: Anyone serious about getting out of debt. Six months is where real momentum builds.
Build the HabitBest Value
12-Month Coaching Plan
$250
/month
Billed monthly
- Everything in the 6-month plan
- Maximum accountability over 12 months
- Fastest response times
- Priority scheduling
- Credit score guidance included
- Best for $30k–$80k+ in debt
Best for: Anyone with larger debt loads who wants a full year of support to finish the job.
Trust the ProcessNot Sure Yet?
Free 30-Minute Consult
Free
No commitment. No pitch. Just clarity.
- Review your full debt situation together
- Get honest advice on your best next step
- Learn what a payoff plan would look like for you
- You'll leave with clarity — whether we work together or not
- No hard sell, ever
Best for: Anyone who wants to understand their options before committing to a plan.
Book Your Free CallAll plans billed monthly. No upsells, no hidden fees.
Frequently Asked Questions
How do I know if I need a debt coach or can do this myself?
If you've been trying to pay off debt for more than 6 months and the balance hasn't moved, that's a sign you need a different approach. A coach isn't for people who are bad with money — it's for people who need a real system and someone to keep them accountable.
What makes a good debt coach?
Transparency, a track record of results, and a real human relationship. You want someone who will tell you the truth, not just what you want to hear. You want someone who cares about your success as much as you do.
How fast will I pay off my debt with a coach?
Working with a coach typically helps people make faster, more consistent progress on debt than going it alone — mostly because accountability prevents the quitting that derails most solo attempts. Your exact timeline depends on your balance and income, but we'll calculate it in session one. The speed matters because it keeps you motivated—knowing you're actually making real progress changes everything.
Is hiring a debt coach worth the cost?
Compare the cost of coaching to what you're spending in interest every month. For most people with $15,000+ in debt, coaching costs less than the monthly interest. For a full breakdown of plans and pricing, see how much a debt coach costs. Plus, you'll likely pay off your debt faster and build habits that keep you debt-free for life.
Do you only work with people in Florida?
No — we work with clients nationwide virtually. All sessions are by phone or video, so geography doesn't matter. We've helped people from California to New York, and everywhere in between.
What's the difference between a debt coach and a credit counselor?
A credit counselor usually works for a nonprofit agency and often steers you toward a debt management plan that's coordinated with your creditors. A debt coach works only for you — no creditor relationships, no products to sell — and builds a payoff plan around your goals, then holds you accountable to it. Neither is automatically better; it depends on your situation. We lay out the full comparison in debt coach vs. credit counseling.
Does a debt coach negotiate with creditors or settle my debt?
No — and that's an important distinction. Debt coaching is not debt settlement or debt consolidation. We don't contact your creditors, open new loans, or tell you to stop paying. We help you build and stick to a plan that pays your debt off in full, the right way. If settlement or consolidation is genuinely worth considering for your situation, we'll tell you honestly — see the trade-offs on our debt payoff options page.
Can a debt coach help with credit card debt specifically?
Yes — credit card debt is the most common thing we work on. High-interest revolving balances are exactly where a clear payoff order and consistent accountability make the biggest difference, because the interest compounds against you every month you don't have a plan. We'll map out which cards to target first and the exact month you'll be free of them.
Your Coach
I'm Sam. I spent 10+ years coaching athletes and students to reach their goals. Now I apply that same approach to helping people get out of debt.
🎓 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 →Ready to Hire a Debt Coach?
Start with a free 30-minute call. We'll talk about your situation, answer your questions, and figure out if coaching is right for you. No pitch. No pressure. No obligation.
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.