How GreenPath Financial Wellness works
GreenPath Financial Wellness is an independent nonprofit credit counseling organization. GreenPath counselors work with you one-on-one to understand your financial situation, review your income, expenses, and debts, and help you build a realistic action plan.
GreenPath counseling services are separate from People Driven Credit Union products and services. PDCU does not receive compensation for referrals to GreenPath.
Best for
GreenPath may be helpful when you want guidance, a second look at your budget, or support with debt and credit questions.
- Members dealing with credit card debt
- Members struggling to keep up with monthly payments
- Members who want help understanding their credit report
- Members preparing to buy a home
- Members worried about foreclosure or housing concerns
- Members reviewing student loan repayment options
- Members who want budgeting tools and financial education
What GreenPath can help with
GreenPath offers several counseling and education services for different financial situations.
| Service | How It May Help |
|---|---|
| Debt and credit counseling | Review your income, expenses, and debts, then create a plan for next steps. |
| Debt Management Program | May help eligible members repay certain debts through one monthly payment, depending on creditor participation and program fit. |
| Credit report review | Understand what is on your credit report and learn steps that may help improve your credit over time. |
| Housing counseling | Get support with foreclosure prevention, homebuyer preparation, and housing-related questions. |
| Student loan counseling | Review repayment options and better understand available student loan strategies. |
| Financial education | Access worksheets, guides, webinars, and tools to help build stronger money habits. |
What to expect when you contact GreenPath
GreenPath starts with a confidential conversation about your financial situation. You do not need to have everything figured out before calling.
- Talk with a GreenPath counselor
- Review your income, expenses, debts, and goals
- Discuss available options for your situation
- Receive a personalized action plan
- Decide whether any next step is right for you
You are not required to enroll in a program after your counseling session.
Debt counseling vs. a Debt Management Program
Debt counseling and a Debt Management Program are not the same thing. GreenPath can help you understand both options.
| Option | What It Means | What to Know |
|---|---|---|
| Debt and credit counseling | A one-on-one session to review your financial situation and discuss possible next steps. | Your first session is free and there is no obligation to enroll in a program. |
| Debt Management Program | A structured repayment program where GreenPath may work with participating creditors on your behalf. | Not everyone needs or qualifies for a DMP. GreenPath will explain whether it may fit your situation. |
Before you call
You can call GreenPath even if you do not have every document ready. If possible, it may help to gather a few details before your first conversation.
- Your monthly income
- Your regular monthly expenses
- Credit card balances and minimum payments
- Loan balances and monthly payments
- Collection notices, if applicable
- Student loan information, if applicable
- Your main financial goal or concern
How to contact GreenPath
Call GreenPath directly and let them know you are a People Driven Credit Union member. Your first session is free and confidential.
Call GreenPath:
877-337-3399
Hours of Operation, Eastern Time:
Monday through Thursday: 8 a.m. to 10 p.m.
Friday: 8 a.m. to 8 p.m.
Saturday: 9 a.m. to 1 p.m.
Membership and eligibility
GreenPath Financial Wellness services are available to People Driven Credit Union members. Membership is open to those who live, work, worship, or attend school in Michigan, plus relatives of current members.
A $5 Membership Share Savings deposit establishes membership. GreenPath counseling services are provided by GreenPath Financial Wellness and are separate from People Driven Credit Union products and services.
Frequently asked questions about GreenPath debt and credit counseling
GreenPath Financial Wellness is a nonprofit credit counseling organization that provides financial counseling, debt guidance, credit support, housing counseling, student loan counseling, and financial education.
Yes. People Driven Credit Union members have access to a free initial counseling session through GreenPath. There is no obligation to enroll in any program.
GreenPath can help with credit card debt, budgeting, credit report review, housing concerns, foreclosure prevention, homebuyer preparation, student loan repayment questions, and financial education.
A GreenPath counselor will review your financial situation, including income, expenses, debts, and goals. Then they will help you understand available options and create a personalized action plan.
A Debt Management Program, or DMP, is a structured repayment program where GreenPath may work with participating creditors on your behalf. A DMP is not a loan and is not the same as bankruptcy.
No. GreenPath will review your situation and explain your options. You decide whether any recommended next step is right for you.
Yes. GreenPath can help you review your credit report, understand what may be affecting your credit, and discuss steps that may help improve your credit over time.
Yes. GreenPath can help you review student loan repayment options and understand possible next steps based on your situation.
No. GreenPath Financial Wellness is an independent nonprofit organization. Counseling services are provided by GreenPath and are separate from People Driven Credit Union products and services.
Call GreenPath at 877-337-3399 and let them know you are a People Driven Credit Union member.
Disclosures
GreenPath Financial Wellness is an independent nonprofit organization. Counseling services are provided by GreenPath and are separate from People Driven Credit Union products and services.
People Driven Credit Union does not receive compensation for referrals to GreenPath. If GreenPath recommends an optional program or service, GreenPath will explain any costs and requirements before you choose whether to enroll.
