Build your financial slack.

If you're feeling financial stress, you're not alone. 167 million Americans feel the same way. We're here to help change all that.

More slack equals less stress.
When you subtract life's expenses from the money you make, what's left over is your financial slack. Having enough slack means you can pay for unexpected expenses and enjoy life without the constant stress.

Assess your financial slack

Take our quiz to see how you are doing with your money and learn the best way for you to build slack right now. You'll also see other areas of opportunity.

Take the Quiz

Make a spending plan

Wondering if you have enough financial slack? Use our worksheet to map where your money goes each month and see the slack you have today.

Get the Worksheet

Visit our Financial Health Centers

We approach everyone's situation individually. We give our members a place to better understand their needs and goals.

Find Our Locations

Ready to build financial slack?

Explore ways to build your financial slack in the areas of spend, save, plan and borrow.

Spend

Paying bills on time and spending less than you earn are the foundation for creating financial slack.

Save

Having a sufficient liquid savings and a long-term savings helps us weather unexpected events and reach our goals.

Plan

Planning ahead and getting insured are key factors in creating and maintaining financial slack.

Borrow

Building credit and managing debt ensure our ability to create and maintain financial slack.

More ways to learn about financial health.

Free credit counseling for you.

Through our partnership with GreenPath Financial Wellness, you have access to confidential debt and credit management, homeownership education and foreclosure prevention.

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Call GreenPath toll-free at 877-337-3399

Learn More

Financial planning calculators.

Thinking about how much to save for long-term goals like retirement or college? How to start investing, prepare for an expense, handle job changes, or make the most of an inheritance? Our calculators can help.

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Virtual Financial Advice

Chat for free online with Coach Lea, our virtual financial health coach. She can provide your credit score and create personalized financial plans to help you strengthen your credit, pay down debt, build slack and more.

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Learn More

Knowledge and skills to create and maintain financial slack.

Healthy Financial Habits
Mindful Living
Family Conversations About Money
Identity Protection
Preventing Elder Fraud & Abuse

Answer a few key questions about your current financial status and future goals. You'll get a personalized list of resources based on your financial needs.

Create My List

Recommended reading by Credit Human

Read up lo learn concepts and skills that can help you build and maintain financial slack.

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Signs to look for and how to protect yourself

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View All Articles

Build your financial slack.

If you're feeling financial stress, you're not alone. 167 million Americans feel the same way. We're here to help change all that.

Assess your financial slack

Make a spending plan

Visit our Financial Health Centers

Spend

Save

Plan

Borrow

Free credit counseling for you.

Financial planning calculators.

Virtual Financial Advice

Knowledge and skills to create and maintain financial slack.

Make a Large Purchase with Confidence

Buying vs Leasing a Car

Is Credit Counseling Right for Me?

Changes for the 2022 Tax Year

5 Steps to Get Your Auto Payments Back on Track

5 Tips for Navigating Financial Setbacks

Benefits of Filing Taxes Early

Celebrate International Data Privacy Day

Webinar – Identity Theft

Create a Spending Plan

Financial Resolutions to Kick Off the New Year

Get the Most Out of Your Savings

Consolidating Your Loans

End the Year Right with This Financial To-Do List

Webinar – Money Personalities

Celebrating Small Business Saturday

Avoid Paying Overdraft Fees

How to Handle Rising Mortgage Rates

Financial Habits to Help you Save

30 Days of Savings Challenge

Webinar: 5 Tips to Help Fight Inflation

Financial Health Tools at your Convenience

Keep the Fright Out of Your Finances

Financial Guide: Young Adult Edition (Part 2)

Financial Guide: Young Adult Edition (Part 1)

The Dangers of Short-Term Financing

Handling Debt After A Death

How to Protect Yourself from Fraud

Student Loan Payments to Resume Dec. 31

Buying a Car in Today’s Market

How to Stress Less During Back-to-School Season

Are You Financially Independent?

Webinar: Your Saving Strategy for (Un)Expected Expenses

Debt Consolidation

Sunny Day Savings

529 College Savings Plan

Saving for Retirement & College at the Same Time

Save Money by Saving the Planet

Inflation 101

Podcast: Modern Day Tale of Love & Money

Get Ahead of Your Debt

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