At Clarifi, we believe everyone should have access to the services to achieve Lifelong Financial Literacy.
For many years, Clarifi has provided most of its counseling and education services at no cost to our clients through a combination of grants and local, state and federal funding.
However, funding for our programs has become more limited as more organizations compete for the same funding. At the same time, our client base and client needs have expanded and we have added additional and enhanced services. As a result, we no longer have 100% funding for all of our services.
We are very sensitive to what you can realistically afford, and the modest fees we charge reflect this. However, as a nonprofit community resource, we never turn away a client because of inability to pay.
If your income falls below the U.S. Department of Health and Human Services Poverty Guidelines, we have the ability to waive or reduce service fees.
|Budget and Credit Counseling|
|Credit Report Counseling||$65/individual, $75/couple|
|Debt Management Program (DMP) Enrolled|
|DMP Initial Consultation Fee||$50|
|DMP Monthly Maintenance Fee||$10/credit card, capped at $50/month|
|Foreclosure Prevention & Mortgage Default Counseling||Never a fee|
|Reverse Mortgage Counseling||$100|
|Pre-Purchase Counseling||PA: No fee; NJ: $125; DE: $125|
|Bankruptcy Pre-Filing Counseling||$50|
|Personal Financial Management After Bankruptcy||$50|
|Student Loan Counseling||Sliding scale|