Free to Use

FREE MONEY TOOLS

Plain answers about your credit, your student loans, your paydays and your debt.

A few questions, a plain answer. No sign up.

Not Sure Where to Start? Question 1 of 3

Is your credit holding you back?

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What’s Holding My Credit Back?Five quick questions about your credit and what you want it to do for you.About 1 minuteStart This Tool
Where Do My Student Loans Stand?A few quick questions about your loans and the options that may be worth a review.About 1 minuteStart This Tool
What’s Due Before My Next Payday?Line up your bills with the next money coming in and see whether any day runs short. For the next five weeks, use the Make Room checkup.About 3 minutesStart This Tool
When Could I Be Debt Free?A free debt payoff calculator. Add your debts and see the month you could be done at the payments you make now.About 3 minutesStart This Tool
Which Debt Should I Pay Off First?Compare paying the smallest balance first with paying the highest rate first, using your own debts.About 3 minutesStart This Tool

MAKE ROOM: MONEY FORECASTRachael’s money forecast shows your next five weeks day by day, so you can see a short day before it hits. No account and no bank login for the checkup.About 2 minutesTake the Free Money Checkup

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30 minutes with Rachael

Sessions are $49, charged after your call, and may be adjusted for your situation. Booking does not commit you to any service.

Questions first? Call 888 999 9076.

Nonprofit credit counselors can also help, and official federal student loan help is at StudentAid.gov.