Military One Source (MOS)
Offers short-term, solution-focused financial services, primarily for active-duty, Guard and Reserve members and their families.  Accredited financial counselors help with eliminating debt, growing a nest egg, or making plans for filing a tax return.  Resources and calculators on many financial topics are available on the website or call 1-800-342-9647

Money Management International (MMI) (Excellent website!)
This agency is the only credit counseling agency to which Airman and Family Readiness Center staff may refer clients

• Formerly known as Consumer Credit Counseling Service (CCCS®), MMI provides non-profit credit counseling and offers solutions and tools to help clients achieve their financial goals. MMI provides professional financial guidance, counseling, education services, and educational programs by phone (866-531-3765), Internet, and in-person sessions (4407 N. Division, Ste 814, Spokane, WA)
• Numerous articles, calculators and other resources on the website provide information on any topic dealing with finances
• There is no fee or obligation for clients engaging in a counseling session. Normally, if a client chooses to establish a Debt Management Plan, there will be a one time set-up charge and a monthly fee to contribute toward the cost of administering a Debt Management Plan. Active-duty military who obtain a referral to MMI through Military One Source (800-342-9647) may have the set-up charge waived
• Budget and Debt Counseling
  Free budget and debt counseling for help with budgeting, money management skills, and credit issues. Assessing current financial situation, developing a realistic spending plan, establishing achievable financial goals, and creating a personal action plan for success
• Debt Management
  When appropriate, MMI serves as an impartial intermediary negotiating with creditors to establish a reasonable and mutually acceptable repayment plan
• Foreclosure Prevention
  MMI is approved by the US Department of Housing and Urban Development (HUD) to help those who have fallen behind on mortgage payments
• Reverse Mortgage Counseling
  Learn how reverse mortgages work, the financial and tax implications of taking out a reverse mortgage, payment options, associated costs, and other available resources
• Bankruptcy Counseling
  Bankruptcy counseling (from an approved source) is now required before filing for bankruptcy; MMI is one approved source. A certified credit counselor helps clients develop a reasonable and manageable spending plan, a detailed action plan, and short and long-term financial goals
• Financial Workshops
  Educational programs extend beyond immediate credit problems to help clients improve their knowledge of personal finances, helping to maintain skills needed for long-term financial success