Our counselors receive both in-house and external trainings that cover a wide range of topics. Counselors then take several tests to earn their certification. Your Clarifi counselor may have certifications from one or more of the following: National Foundation for Credit Counseling, NeighborWorks, Pennsylvania Housing Finance Agency, the US Department of Housing and Urban Development (HUD).

Mostly just yourself! It is helpful to have documentation of your income like a paystub or social security statement, any bills you’re struggling with, and a basic understanding of your expenses. Prior to an appointment you will receive a packet of information including any specific materials we’d like you to bring.

Usually, just your time! The vast majority of our counseling appointments are paid for by our donors, meaning counseling is free to you. Some specific services may come with a small fee, though many clients qualify for a waiver. We inform our clients of any potential fees (should they occur), and we will always work to ensure you can access our services.