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NOT refinancing, consolidation, settlement, or bankruptcy.

Pay off all your debt lightning fast without harming your credit or sacrificing your lifestyle!

HUG helps you pay off your debt quickly, not just shift it around. And it won’t harm or freeze your credit so you can continue to enjoy a realistic lifestyle. Most of our clients pay less than 3% interest over all, saving tens of thousands of dollars and years of payments.

We use caring financial coaching and our unique patented* software, not refinancing*Refinancing or restructuring can be useful to lower interest rates* but may result in higher monthly payments if the new loan allows less time to repay. Proceed with caution, considering all factors, including any fees or closing costs.

*HUG is not a lender and recommends refinancing sparingly, only when it shortens the client’s debt-free timeline, indicates substantial savings, and/or lower monthly payments.
, consolidation*Consolidation is the act of combining several loans into one. The idea of “one easy payment” can be appealing if you’re feeling overwhelmed but creating one large debt may not be in your best interest long-term.

Unlike paying off separate debts, consolidating debt means your payment won’t decrease until the consolidation loan is paid in full. So instead of making room for a car purchase for instance, by paying something else off, that payment gets layered on top of the consolidation loan.

Important: Consolidating student loans could mean losing access to important benefits like deferment, forbearance and other payment programs. Ask this question before agreeing to terms. Proceed with caution. Once your loans are consolidated you cannot reverse the decision.
, settlement*Making an agreement with the creditor to accept less than the full balance owed. Settlement companies first encourage becoming delinquent if you’re not already, then making payments to an account with them until enough is available for a settlement offer. There are no guarantees, and creditors may continue collection efforts, charge interest and penalties and proceed to court until a settlement or other agreement is reached.

*You must pay the settlement amount agreed upon in full. Until an agreement is reached, penalties and interest may continue to accrue. It will be reported to credit bureaus as “Settled” debt. A 1099-C is usually issued for amount of forgiven debt so you may suffer tax consequences.
, negotiation*Negotiation may result in the creditor altering the terms of the original agreement with regard to interest rate, payments or length of the loan. When indicated, we will assist with negotiations. We find this to be the exception rather than the rule. It often requires delinquency to qualify, and is not the basis for the HUG Plan. or bankruptcy*In some cases, bankruptcy can be a solution. If you are considering filing for bankruptcy, get the facts first.* In general, only unsecured debts such as credit card debt are dischargeable through bankruptcy.

Guidelines must be met including income and other factors, and bankruptcy will remain on your credit report for 10 years.

*HUG does not offer legal advice. We recommend you seek consultation with an Attorney specializing in bankruptcy.
to help you become completely debt free. Yes, even your mortgage and student loans, not only credit cards. Along the way we can help to create a workable budget, build emergency reserves and grow and conserve your retirement savings – a truly comprehensive approach to personal financial management.

HUG is available to everyone, whether or not you have education debt. Looking for assistance with budgeting, financial crisis management, retirement or future goal planning - HUG can help!

We know there are lots of options when it comes to paying off debt. HUG goes the extra mile to help you not only get out of debt, but STAY out of debt, even when life throws you a curveball!

We help you…

  • Finally pay off all debt – even loans in payment programs with insufficient payments!
  • Build a budget you can live with!
  • Learn what to do in a financial crisis.
  • Build emergency cash reserves.
  • Manage even future debt efficiently! - We’d all like to believe it won’t happen but if it does, we know how to keep it from derailing your plan.
  • Retire comfortably. – Paying off debt can mean more money for savings, and less of your retirement dollars going to creditors!


*(United States Patent No. 11,113,760)

HUG a Pet In Need!

A huge THANK YOU to all who contributed to make our annual HUG a Pet holiday food drive a success!

During these difficult times shelters continue to struggle so we will CONTINUE TO ACCEPT DONATIONS> We would appreciate any contribution of unopened Cat food, Dog food, Birdseed and pet bedding or blankets*

* New items only, and nothing over 25 pounds please :).

"Bankruptcy laws allow companies to smoothly reorganize, but not college graduates burdened by student loans."
– Robert Reich
"Nothing in life is to be feared. It is only to be understood."
– Marie Curie
The road to success is always under construction
– Lily Tomlin
"There is scarcely anything that drags a person down like debt."
– P. T. Barnum
“This would be a much better world if more married couples were as deeply in love as they are in debt.”
– Earl Wilson
“What I would like to do... once I take care of all my kids' student loans, is buy a red 1965 Mustang and fully restore it.”
– Mike Quigley
"If we don't change direction soon, we'll end up where we're going."
– Irwin "Professor" Corey