Not everyone needs a financial advisor, and not everyone can afford one. But what if there were trusted, judgment-free resources already out there — some even free — that you didn’t know existed? Good news: they do exist, and they might be exactly what you need to get back on track financially.
This guide will introduce you to four types of support that go beyond basic budgeting apps and payment reminders. These are real people and programs that can help with everything from emotional stress to building a smart plan for your debt.
Financial Therapists
What They Do
Financial therapists are trained to help people deal with the emotional side of money. They understand that money problems aren’t always about numbers. They work with you to:
- Understand your money habits and beliefs
- Talk through anxiety or guilt tied to spending or debt
- Build healthy financial behaviors
Some are licensed mental health professionals, while others come from a financial planning background with specialized training in emotional coaching.
How to Find One
You can search for certified financial therapists through the Financial Therapy Association at https://www.financialtherapyassociation.org. Many offer virtual sessions and flexible fees, especially if you’re in a tight spot.
Peer Mentors and Community Coaches
Where to Find Peer-to-Peer Budgeting Help
Sometimes, the best support comes from someone who’s been there. Peer mentors or community-based money coaches can:
- Help walk through your income and expenses
- Offer advice based on lived experience
- Keep things simple, practical, and free of judgment
You can find them through local nonprofits, churches, libraries, or community centers. Some United Way chapters and YMCAs offer volunteer-led financial coaching programs. You can also try sites like https://www.afcpe.org, which lists Accredited Financial Counselors who may offer group coaching or free support.
Community Action Agencies
What Services They Provide
Community action agencies are local nonprofits that help people with low incomes get access to a wide range of services. Their help often includes:
- Utility or rent assistance
- Job and income support
- Financial education
- Housing counseling
Many also offer one-on-one money coaching or workshops tailored to your needs.
Financial Literacy Classes
Community Action Partnership has a “Financial and Family Well-Being” page where you can sign up for free financial literally classes and 1:1 coaching.
This organization’s services are often underused, even though they’re open to the public and designed for people going through hard times.
Debt Management and Debt Consolidation
Help For All Debt Types
There are organizations — nonprofit and for profit — that offer debt consolidation, as well as debt coaching for credit cards, medical bills, and other unsecured balances.
Credit counselors can:
- Help you prioritize which debts to pay first
- Walk you through what to do if you’re behind
- Set you up with a debt management plan
On the other hand, a debt consolidation company can be a good option if you want to:
- Significantly reduce your monthly payments
- Become debt-free in 24 to 48 months
- Get immediate financial relief
- Reduce financial stress
Want to learn more? Our experts can help.
Online Nonprofits Offering Support
Look for groups like GreenPath or Money Management International. Just be sure the organization is a 501(c)(3) nonprofit and doesn’t charge upfront fees. You can cross-check with the National Foundation for Credit Counseling (NFCC) at https://www.nfcc.org.
Final Thoughts
You don’t have to go it alone, and you don’t need to spend a fortune to get real, supportive guidance. Whether it’s emotional help, local aid, or debt coaching, these lesser-known resources can be the bridge between where you are and where you want to be.