Contact

Ask about your situation

There's no wrong way to describe what's going on, and you don't need exact numbers to reach out.

Free help first

A credit union Payday Alternative Loan (PAL), capped at a maximum 28% APR by federal rule, available through many federal credit unions once you're a member.
Asking your biller directly for a short extension or payment plan before the due date, which costs nothing in most cases and is often granted.
A free session with an NFCC-affiliated (National Foundation for Credit Counseling) nonprofit credit counselor, who can review your whole situation without a fee.
An employer early wage access benefit or emergency assistance fund, where available — check your handbook or ask HR directly.

Step 1

You send a short message

A few lines about what's happening is enough — you don't need to prepare anything in advance.

Step 2

We point you toward the right resource

That might be a free nonprofit counselor, a credit union PAL, a specific guide on this site, or a relevant calculator, depending on what you describe.

Step 3

You decide what happens next

Nothing is signed up or applied for on your behalf — the next step, paid or free, is always yours to choose.

We do not publish an email address, so this form is the fastest route to a person. We cannot answer questions about your personal financial situation or tell you whether you qualify for anything.