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Keeping you in command of your money

As a service member or veteran, your money life can get complicated. Navigating all the twists and turns of Department of Defense (DoD) and Department of Veterans Affairs (VA) processes isn’t always intuitive—especially when it comes to managing your finances and debt, buying a home, or planning for retirement.

If you feel stressed at times, you’re not alone. A 2018 survey conducted by the nonprofit Military Family Advisory Network (MFAN) found 86 percent of military and veteran families suffer physical and emotional effects from financial strains. We’re to help.

Achieve Financial Readiness

How we can help.1



bills into one smaller monthly payment.


Pay Off

your debt faster.



your money habits.



interest rates regardless of credit score.



collection calls.



late fees and over limit charges.

1Results are not guaranteed.

Real results. Real relief.

Working with an NFCC® Certified Financial Counselor has already made the difference for thousands of consumers including many veterans and active members of the military. They are well-versed in your unique challenges—including maintaining your security clearance—to the special programs and options available to you when buying a home. When appropriate, they can also point you to third-party resources tailored to DoD and VA stakeholders. Let us make a difference for you and how you feel about your money management skills.

Sharpen your Financial Focus® Program participants report2 that...


now pay debt more consistently.


have improved their overall confidence.


are better at managing their money.

2The evaluation of the Sharpen Your Financial Focus program is being conducted by researchers at The Ohio State University.

Why choose us?

For over 60 years the NFCC and its member agencies have helped people just like you with their financial questions and concerns. It’s the kind of help that restores hope in your future.

Immediate relief

Debt-relief plans are straightforward and are put into action on your first meeting.


No one is turned away. You always know where you stand and who to call with questions.

Local to you

Nearly 600 NFCC member agency offices nationwide are staffed by NFCC Certified Financial

Take control with help from our partner


The National Foundation for Credit Counseling® (NFCC®) and its Sharpen Your Financial Focus®  initiative have joined forces with Wells Fargo to help you take control of your finances.

Hands on Banking® for Military

This financial education program, accessible through NFCC member agencies, helps focus and educate you on your most pressing financial issues. Hands on Banking for Military was specifically developed with Wells Fargo to address active members, veterans and their families’ unique needs at each stage of their careers. The program offers 10 individual modules across a range of topics—from banking basics to planning for retirement.

Hands on Banking® for Military (Continued)

Additionally, you have access to all the components that comprise the Sharpen Your Financial Focus program, including the opportunity to:

  • Schedule a one-on-one financial review with a member agency near you.
  • Take MyMoneyCheckUp®, an online financial assessment tool.

Hand on Banking® for Military (Continued)

Thankfully, the NFCC network makes it easy for members of the military community to find — and stay on — the right track to financial health. We’re here to provide affordable and confidential support as a nonprofit resource.

In their own words: Hear from people we’ve helped

Steve. H.

For people in recovery, financial wellness is a critical aspect of reintegration into our communities. I know many veterans who, like me, have had similar positive outcomes after following a counseling program.

James A.

[Counseling through NFCC member agency] Apprisen gave me the discipline to create a plan that has me seeing the light at the end of the tunnel. More importantly, I’m confident I can come out of this.


Personal finance for veterans and active duty military

Launching a new career? Paying off medical bills? Going back to school? Buying a home? Starting a family?

As you approach these steps in life — before, during, and after your military service — it’s important to have a clear understanding of your personal finances and the options available to you.

NFCC is proud to support service members and veterans throughout this journey click here.