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Schedule of Fees

Financial Counseling Services

Initial Financial Counseling Session Free

Debt Management

  • Set-up / Monthly administration
  • Fees vary by State
  • Photocopies for personal use
  • 25 cents per copy
  • Replacement copy of DMP file
  • Free
  • Client/creditor history summary
  • Free
  • Lender requirements (payment history, etc) for loans
    (Lender letters will be processed and available within 3 business days after receipt of written client authorization to release information)
  • free
  • Non-Sufficient Funds Returned Payment
  • $25

    Credit Report Coaching

    Credit Report Review $35 ($15 for copy of credit report)

    Identity Theft Solutions

    Identity Theft Solutions (counseling, credit report and the ID Theft Recovery guide) $75

    Individual Development Accounts (IDAs)

    Individual Development Accounts (IDAs) Free (Some circumstances may warrant an application processing fee. A fee for online money-management training may apply.)

    Housing Counseling

    Foreclosure Prevention / Loss Mitigation Counseling Free
    Reverse Mortgage Counseling (HECM) $125 per household
    Pre-Purchase Counseling/Education $15 per household
    Post-Purchase Counseling/Education $15 per household
    Rental Counseling Free

    Financial Education Solutions

    13-week Personal Financial Coaching Program $125
    (includes a personal financial and credit report assessment, ConsumerCents Personal Finance Guide book, monthly newsletter)
    Second Chance Checking Workshop $40
    ConsumerCents® Personal Finance Education Guide $12.95 (+ shipping)
    ConsumerCents® Personal Finance Education Guide (downloadable format) Free
    ConsumerCents® Personal Finance Education Modules $3.50 each (+ shipping)
    (Setting Financial Goals, Spending Plans, Organizing Personal & Financial Records, Checking Accounts, Credit Reports, Debt-to-Income Ratio, Holiday Spending, Identity Theft, Buy or Lease a Car, Bankruptcy)
    ConsumerCents® Personal Finance Education Modules (downloadable format) Free
    (Setting Financial Goals, Spending Plans, Organizing Personal & Financial Records, Checking Accounts, Credit Reports, Debt-to-Income Ratio, Holiday Spending, Identity Theft, Buy or Lease a Car, Bankruptcy)
    Monthly e-Newsletter Free

    Employer Assistance Program

    Financial Education to employers/for-profit businesses $200 per hour
    Financial Education seminars to non-profit organizations $100 per hour
    (fees vary based on annual revenue)
    Customized Workshops tailored to a particular group/demographic variable/negotiable

    Other Educational Products

    Joey Learns to Save (children’s activity book) $3.50 (+ shipping)
    Joey Learns to Save (downloadable format) free
    Moonjar (Save, Spend, Share moneyjar) $14

    Fee Waiver Policy - FCF provides credit counseling services regardless of its clients’ ability to pay. FCF will reduce or waive service fees for debtors whose household income is less than 150% of the estimated poverty threshold for their applicable family size as published by the Bureau of the Census AND the debtor is unable to pay the fee based on the debtor's budget analysis. No one will ever be asked to make donations or contributions to help defray the actual costs of providing counseling or administering debt managment plans. FCF reserves the right to modify its fees and fee waiver policy at any time.

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