Debt Relief
Top Companies in 2025
GreenPath Debt Relief vs InCharge Debt Solutions
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- Free consultation
- No minimum debt required
- Available in all 50 states
- A+ BBB rating
- A+ BBB rating
- Affordable fees
- Accredited by NFCC and FCAA
- Many financial education resources
- Fixed setup and monthly fees
- Limited in-person availability
- Restricted credit card use
- Few debt-relief options
- Long program duration
- Limited information on costs
- Limited physical presence outside Florida
- No mobile app
GreenPath Financial Wellness has been prominent in the debt relief and financial counseling landscape since its inception in 1962. First opened in Michigan and now operating nationwide, this non-profit organization offers a wide array of services, including debt counseling, a Debt Management Program (DMP), student loan counseling, housing counseling, and bankruptcy counseling, among others. Their team of NFCC-certified counselors provides personalized guidance to people seeking financial stability. Despite having limitations like fixed fees and credit card use restrictions, they maintain industry accreditations and have an A+ rating from the Better Business Bureau (BBB). Read this review to find out whether GreenPath can help you reach your financial goals or not!
Since the founding of InCharge Debt Solutions in 1997, they have become a prominent nonprofit organization in the debt relief industry. Headquartered in Orlando, Florida, they are accredited by the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA). They provide a wide range of services, including debt management plans, credit counseling, and debt consolidation. They have assisted millions of clients in managing and reducing over $3 billion in debt, earning a strong reputation as industry experts. Their nationwide availability, coupled with their commitment to affordable and accessible debt relief solutions, sets them apart from competitors. For a detailed look at InCharge Debt Solutions' offerings, achievements, and customer feedback, dive deeper into our full review.
- Credit Score Impact : May impact your credit score
- Average Net Savings : Undisclosed
- BBB Rating : A+
- Fees : Up to $50 one-time setup fee & Up to $75 monthly fee
- Timeframe : 3 to 5 years
- Money-Back Guarantee : False
- Trustpilot Score : 3.7 out of 5
- Customer Experience : Good
- Credit Score Impact : Program may lower score temporarily
- Average Net Savings : Undisclosed
- BBB Rating : A+
- Fees : Enrollment fee: $50 to $75, monthly fees: $32
- Timeframe : 36-60 months
- Money-Back Guarantee : False
- Trustpilot Score : 4.8 out of 5
- Customer Experience : Good
- NFCC-certified counselors
- Wide range of financial counseling options
- Over 550 partnerships across the United States
- Extensive educational resources
- 24/7 Virtual Financial Coach
- Diverse debt relief options
- No minimum debt requirement
- Excellent debt relief record
- Nationwide availability
- Bankruptcy Counseling
- Consolidation Loans—Undisclosed
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation—Undisclosed
- Debt Counseling
- Debt Management Plans
- Debt Settlement—Undisclosed
- Loan Refinancing—Undisclosed
- Bankruptcy Counseling
- Consolidation Loans
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation
- Debt Counseling
- Debt Management Plans
- Debt Settlement
- Loan Refinancing
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills
- Secured Debts
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills
- Secured Debts
- Cash—Undisclosed
- Escrow/Savings Bank Account
- Major Credit Cards—Undisclosed
- Cash
- Escrow/Savings Bank Account
- Major Credit Cards
- In Office
- Live Chat
- Mobile Application—Undisclosed
- Phone
- Ticket
- In Office
- Live Chat
- Mobile Application
- Phone
- Ticket—Undisclosed
GreenPath vs. InCharge Debt Solutions
When seeking debt relief services, GreenPath Financial Wellness and InCharge Debt Solutions are two well-established nonprofit organizations offering financial counseling and debt management programs. Both companies focus on assisting individuals struggling with unsecured debt, but they differ in their service offerings, fee structures, and accessibility.
Minimum debt requirements
Neither GreenPath nor InCharge impose a strict minimum debt requirement for eligibility. This makes both services accessible to individuals with various levels of debt, from minor financial difficulties to more significant obligations. Instead of focusing on total debt reduction, they prioritize lowering interest rates and consolidating payments into a manageable structure through their Debt Management Plans (DMPs).
While GreenPath does not set a debt threshold, they primarily cater to individuals who can commit to a structured repayment plan. Similarly, InCharge aims to assist those facing financial hardship but does not require a specific minimum debt amount.
Services and fees
GreenPath offers a broad range of financial wellness services, including free debt counseling, credit report reviews, and housing counseling. Their DMP negotiates lower interest rates and consolidates multiple debts into a single payment. They also provide student loan counseling, bankruptcy counseling, and financial education resources like webinars, online courses, and workshops.
Fees: Their DMP has a $35 enrollment fee and a $28 monthly fee. Housing counseling costs range from $150 to $199, while bankruptcy counseling costs $50 per session. Their student loan counseling enhanced session costs $200. Some fees may be waived for credit union members or based on financial need.
InCharge provides similar services, including free credit counseling, bankruptcy counseling, and foreclosure prevention assistance. Their DMP consolidates debts into a single payment, often with reduced interest rates and waived fees. They also provide debt consolidation services and financial education through the InCharge Education Foundation.
Fees: The DMP enrollment fee ranges between $50 and $75, with an average monthly fee of $32, depending on the state and financial situation. Their clients typically receive an 8.4% APR, much lower than the 20%+ national average. Fees may be waived or reduced for those experiencing financial hardship.
Customer service and accessibility
Both companies offer nationwide services, but GreenPath has physical offices in 22 states, allowing for in-person consultations. InCharge, however, primarily operates online and via phone, with limited in-person services in Florida.
GreenPath provides digital resources, including their LearningLab, virtual coaching (Lea), and online courses. They hold an A+ BBB rating and NFCC accreditation. InCharge also holds an A+ rating from BBB and is accredited by the NFCC and U.S. Department of Housing and Urban Development (HUD).
Overall comparison
GreenPath is ideal for individuals seeking more extensive financial education tools, in-person counseling, and no strict minimum debt requirement. However, their fixed fees and credit card restrictions during the DMP may not be suitable for everyone.
InCharge is a better option for those needing debt consolidation, lower APR rates, and free credit counseling. Their lower fees and nationwide availability make them a good choice, though they lack in-person support outside of Florida and have less transparency regarding fees.
Choosing between GreenPath and InCharge depends on your financial priorities, whether you value educational resources, lower interest rates, or in-person assistance.
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