For Hawaii residents, our counselors will work with you to create a manageable budget which fits into everyday life and allows you to continue on with your life, with out the limitations of debt. The average HI household posses 10 or more credit cards, all of which carry a balance - on average a balance of $4000. Based on the interest rates and only paying the monthly payment, it will take over 30 years to pay down the total balance of the credit card. With the help of our counselors you can be debt free in only a few years.

To learn more about debt management and credit counseling, fill out the online form at the bottom of the page and a certified counselor will return your call for a free online consultation.