GreenPath Financial Wellness™
Helping you to regain control of your finances
RBFCU cares about your financial well-being and quality of life. That’s why we’ve partnered with trusted national nonprofit GreenPath Financial Wellness to offer you free individualized counseling, guidance and educational resources.
GreenPath has more than 60 years of experience helping people pay off debt, reduce stress, and get back in control of their financial futures. For issues ranging from debt and budgeting to saving a home from foreclosure, advice is only a phone call away!
Financial counseling
GreenPath gives you access to free, one-on-one financial counseling delivered by caring, certified experts. They’ll help you understand your situation, learn your options and make a plan to meet your goals.
Debt management services
If you have high-interest credit card debt, GreenPath works with your creditors to reduce your interest rates so that you can pay off debt faster and put money back in your pocket.
Housing services
Take advantage of GreenPath’s foreclosure prevention services, homebuyer counseling, rental counseling and reverse mortgage counseling.
Credit report review
GreenPath’s counselors can teach you how to read your personal credit report, how a credit score is calculated and how to improve your score.
Student loan counseling
GreenPath can help you review repayment options that can postpone or lower your payments. Learn the pros and cons of each strategy so you can make an informed decision on which is best for you.
To get started, visit greenpath.com/rbfcu or call 1-877-337-3399.
GreenPath counselors are certified by the National Foundation for Credit Counseling (NFCC) and the Housing and Urban Development Department (HUD).
They are available from 7 a.m. to 9 p.m. CT Monday through Thursday, 7 a.m. to 7 p.m. Friday and 8 a.m. to noon Saturday.
Debt Management Services
Dealing with debt? You’re not alone!
With almost 80% of Americans dealing with debt, effective debt management is a critical component of meeting your financial goals. And since double-digit interest rates compound daily, the amount you owe gets bigger.
Fortunately, RBFCU’s partnership with GreenPath gives you options. Caring, certified counselors are ready to understand your specific challenges, and work with you to make a plan to get control of high-interest credit card debt — while also saving money on interest and fees.
Get started by taking 3 simple steps
1. Contact GreenPath
Call GreenPath Financial Wellness today at 1-877-337-3399. It’s free, 100% confidential and no pressure.*
2. Talk to a counselor
A financial coach will look at your income, expenses, debt and other aspects of your finances, then identify your debt management options.
3. Establish a plan
We’ll work with you to develop a personal plan to take control of your debt, improve your overall financial health and achieve your financial goals!
Virtual Financial Coach
Have you met Coach Lea?
Lea’s available to offer you personalized financial advice — anytime, anywhere!
Are you ready to improve your credit scores, move forward after a credit decline, pay down debt, or build healthy financial habits? Coach Lea is ready to help 24/7!
Lea’s a Virtual Financial Coach powered by the most advanced AI technology to deliver advice that’s tailored to you! Through text-based conversation, Lea offers empathetic, caring coaching that provides personalized, step-by-step guidance to meet your goals.
The best part? Talking to Lea is free and secure. She’s available anytime — day or night!
What financial goal can Coach Lea help you achieve?
Improving
your credit score
Paying
down debt
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Building
healthy financial habits
Using
credit wisely
Paying
bills on time
Moving
forward after a credit decline
Select Lea at the bottom of the page to get started!
Answer a few questions related to your goal, and Coach Lea will provide you with a step-by-step, personalized action plan for getting there.
1 in 3 people have errors on their credit report. Are you one of them?
The information on your credit report can affect not only whether or not you are approved for a loan, but can even influence hiring decisions by your employer. And yet, according to a study by Consumer Reports, 34% of people found at least one error on their credit report.
GreenPath’s Virtual Financial Coach, Coach Lea, can help you check your credit report for errors! Lea will show you how to:
- Pull your current credit report
- Check for inaccuracies in your information
- Report errors
Select Lea at the bottom of the page to get started!
If you think you may want to dig in deeper, the financial experts at GreenPath are a call away at 1-877-337-3399.
Dig into your debt to track high-interest credit card fees.
Dedicate a spending account to streamline bill paying.
Delete payment info to track high-interest credit card fees.
Carry (and use) cash to increase awareness of spending.
Buy (and sell) used to get deals on furniture, clothes and more.
Switch to LED lights to save on energy costs.
Check out your local library instead of purchasing books and media.
Carry your purchases to manage in-store spending.
Plan your meals to avoid costly takeout and restaurant prices.
Get free guidance from GreenPath!
Free financial webinars & courses
GreenPath offers a variety of free educational resources and tools to help your make progress toward your financial goals.
- Live events: Check out RBFCU’s Seminars & Webinars page for live events from GreenPath and RBFCU
- On-demand webinars: Watch previously recorded GreenPath webinars anytime
- Online courses: Take advantage of GreenPath’s LearningLab for free, online, well-researched financial education courses and tools
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How much does a GreenPath counseling session cost?
Credit counseling is free. GreenPath will work with you to help you understand your unique financial situation and explore customized options to help you reach your financial goals. You can call GreenPath at 1-877-337-3399 to get immediate counseling.
There is a cost for a debt management plan and enhanced student loan debt counseling. A GreenPath counselor will explain those costs to you if you elect to utilize those services beyond your initial credit counseling session.
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How long does a credit counseling session with GreenPath take?
The initial credit counseling session usually lasts 45 minutes to 1 hour.
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Do I need to make an appointment with GreenPath?
No, an appointment is not necessary. GreenPath professionals are standing by to serve you at 1-877-337-3399.
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What if I don't have time to conduct a GreenPath credit counseling session now?
GreenPath can schedule an appointment for a more convenient time or you can call them at 1-877-337-3399 at a time that is convenient for you. GreenPath professionals are available from 7 a.m. to 9 p.m. CT Monday through Thursday, 7 a.m. to 7 p.m. Friday and 8 a.m. to noon Saturday.
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What will I need for my initial credit counseling session with GreenPath?
You should have copies of recent bill statements handy such as utilities, credit card, mortgage, auto loan and student loans.
To paint a complete financial picture, GreenPath will also need to know how much money you and your spouse/financial partner bring home each month.
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Will GreenPath keep my information confidential?
Absolutely. GreenPath does not report information to the credit bureaus and will not share your information with anyone without your permission.
GreenPath does ask you for permission to share information with RBFCU. If you say “no,” your name is kept confidential.
If you begin a debt management program, GreenPath will obtain your consent before it proposes payment arrangements to your creditors.
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What information can I expect to receive from GreenPath?
All of GreenPath’s counseling sessions are customized to your situation.
If you are struggling to manage your ongoing monthly obligations, you will receive information on money management as well as tips on how to reduce ongoing expenses.
If you are past due on your mortgage, you will receive information on prioritizing payments, how to resolve housing delinquency, etc.
If you are facing several issues, you will receive customized counseling to address all of these items so you are in a better situation to reach your financial goals.
RBFCU has partnered with GreenPath Financial Wellness to provide financial counseling, education, and debt management services. GreenPath Financial Wellness is solely responsible for the delivery and quality of those products and services.
*There is a cost for a debt management plan and enhanced student loan debt counseling. A GreenPath counselor will explain those costs to you if you elect to utilize those services beyond your initial credit counseling session.
GreenPath does not report information to the credit bureaus and will not share your information with anyone without your permission. GreenPath does ask you for permission to share information with RBFCU. If you say “no,” your name is kept confidential. If you begin a debt management program, GreenPath will obtain your consent before it proposes payment arrangements to your creditors.
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