Free Financial Counseling

Managing your money can be challenging, especially if you feel like you’re falling behind. Free counseling from BALANCE can help you take control of your money and meet your financial goals.

Get Started

Take control of your money

  • Get free, unlimited one-on-one financial counseling

  • Get confidential financial advice on money troubles or goals

  • Work with your counselor to develop a personalized plan for the future

  • Make unlimited appointments weekdays, weekends or evenings

  • Counseling is available in many languages, as well as for the hearing-impaired

  • Learn more about BALANCE

Related Services

Getting Started with Financial Counseling

1

Make an Appointment

Call 800-777-7526 to set up an appointment with a BALANCE Financial Counselor.

2

Make Your Financial Plan

Work with your BALANCE counselor to set goals and make your plan for achieving them.

3

Return as Often as You Like

Create an action plan for anything from managing debt and improving your credit score to buying your first home.

Determine Your Emergency Saving Goals

Having adequate emergency savings can make unforeseen circumstances more manageable. With adequate emergency savings, you can focus on how to best meet your family's needs. This calculator helps you determine how much emergency savings you may need and how you can begin saving toward this important goal.

Free Financial Counseling FAQs

When are appointments available?

BALANCE financial counselors are available on weekdays, evenings and weekends.

  • Monday – Thursday: 8 a.m. – 11 p.m.

  • Friday: 8 a.m. – 8 p.m.

  • Saturday: 11 a.m. – 8 p.m.

I can’t pay my bills. Is it too late for financial counseling?

If you are having trouble making a payment on your VyStar loan or credit card, then call a VyStar Representative at 800-445-6289. In some cases, we may be able to offer you a payment extension or let you skip a payment. And once you have a short-term solution, a BALANCE financial counselor can help you develop a long-term plan for staying on top of your finances and saving for emergencies.

Is financial counseling confidential?

Yes, BALANCE financial counseling is confidential. Everything you discuss with your BALANCE financial counselor is private.

What kinds of things can I discuss with my financial counselor?

You can discuss any financial topic. If you are having trouble managing your money and paying all your bills, your counselor can help you with strategies and solutions. You can also talk about your goals for the future, such as buying a home, planning for retirement or getting out of debt. Each session is goal oriented, and you’ll come away with a written plan of action that outlines the steps you can take.

Become a Member

Related Tools & Resources

Get Your Free Credit Report

Your credit score can impact your finances — and your lifestyle. Get a free copy of your credit report to check for errors and prevent problems.

Credit and Debit Card Protection

Learn more about how VyStar protects your credit and debit cards, report a lost or stolen card, set up fraud alerts.

Membership Benefits

Membership means more. Learn more about the benefits and discounts you’re entitled to as a VyStar member.

Services are offered in many languages and to the hearing-impaired.

BALANCE is a national organization that offers no-cost professional financial counseling and fair, impartial consumer-oriented financial advice. It is a wholly owned subsidiary of the Consumer Credit Counseling Service of San Francisco. Their goal is to not only work with you to avoid or resolve financial distress, but also to provide information and assistance to help you achieve your goals, such as buying a home or saving for the future.