Financial Education & Counseling

Your Path to a Healthy Financial Future Begins Here



As a valued member of The Summit, your financial wellbeing is our priority, so we’ve partnered with the trusted national nonprofit GreenPath Financial Wellness to offer you free financial counseling, guidance, and educational resources. GreenPath is here to support you in making decisions that make your life better, happier, and more satisfying.

GreenPath has more than 60 years of experience helping people build financial health and resiliency. Their certified counselors explain your options to manage credit card debt, learn about personal finance, and come up with a plan to make your financial goals happen.

Take the first step to financial wellbeing.

Call 1-877-337-3399  VISIT GREENPATH

GreenPath Hours of Operation

Monday – Thursday: 8:00 am – 10:00 pm

Friday: 8:00 am – 8:00 pm

Saturday: 9:00 am – 1:00 pm

Free Financial Counseling

You have access to free, one-on-one financial counseling delivered by caring, certified experts. Understand your situation, learn about options, and make a plan to reach your goals.

Debt Management Services

If you have high-interest credit card debt, a GreenPath Debt Management Plan may be able to help lower your interest rates so you can pay off debt faster while saving money.

Credit Report Review

Learn how to read your personal credit report, how a credit score is calculated, and how to build or improve your score.

Housing Services

If you have housing goals or concerns, GreenPath’s HUD-certified housing counselors can help. Take advantage of foreclosure prevention services, homebuyer counseling, rental counseling, and reverse mortgage counseling.

Student Loan Debt Counseling

GreenPath can point you to resources to see if loan forgiveness is an option, and if you have repayment options that can postpone or lower your payments. Learn the pros and cons of each strategy to make an informed decision on which is best for you.

Financial Wellbeing Education

Take advantage of free, monthly educational webinars, articles and online learning designed to strengthen your financial health.

Tips for Establishing Good Financial Habits

  • What do you spend in a month? Create a monthly budget and track expenditures versus income each month to see if you are on track. Set a budget for meals and fun. Take the amount out at the ATM once per week. When this cash is gone, you have no more to spend that week for “treats.” Try not to withdraw more cash unless it is a true emergency. This will help prevent impulse buys and reduce any ATM fees you may be incurring. If you have cash left over at the end of the week, add it to your emergency fund or long term savings account.
  • Be protected while establishing credit. Get a credit card with a limit you can afford to pay off monthly since your debit card does not help establish your credit history. The limit should be no more than roughly 50% of your monthly income. Credit is also a safer option when making online purchases, and you will need a credit card if you ever need to rent a car, make a plane reservation, or rent a hotel room. Look for a card with no annual fee and a reasonable rate of interest.
  • Keep it old school. It might be “old school,” but use a check register to accurately track your spending. This is the best way to know exactly where your money is going.
  • Another option for establishing credit. Open a small line of credit tied to your checking account and pay it off monthly. This will help your credit score, and prevent fees for overdrafts or insufficient funds. Don’t use the line of credit intentionally; it should only be an emergency backup.
  • Set long-term financial goals. Write down your goals and set aside a percentage of your income each month toward them. Vacation? New car? These objectives will be more attainable if you save little by little.
  • Get the right terms on a car purchase. When considering an auto loan, try to keep your loan term to no more than 48 months for a used car and 60 months for a new car.
  • Save for emergencies. Establish a savings account that doesn’t allow ATM withdrawals. You’ll be less inclined to take the funds out if you have to visit a branch and they will be there when you need them.
  • Don’t let student loans get you down. Keep up with student loan payments, as late loan payments hurt your credit score. If you can’t make payments, contact your student loan lender to see if you qualify for any deferral programs.
  • Start saving for retirement now. Participate in your employer-sponsored retirement plans or 401k to the greatest extent you can. Start with at least enough to get the full benefit of any employer match.

For more helpful information on managing your finances, check out our wide range of financial calculators