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About

HUG is committed to helping YOU, our client!

We’re proud of our clients and attribute our long-term success (since 2008) to our unique hands-on approach.

HUG is a positive, responsible approach to paying off debt. We use the same (in some cases, lower) payments you are already making so there is no need to increase monthly outlay.

Our caring financial coaches work directly with clients to empower them to feel confident about managing their money. We create a flexible plan based on income, debt obligations, living expenses and other considerations.

Clients have access 24/7 to the Client Portal with everything they need in one place. The plan is easily managed through our user-friendly dynamic software which can also be used in real time collaboratively during coaching sessions.

Our clients benefit by eliminating all their debt ahead of schedule, including, but not limited to, credit cards, mortgages and student and parent loans, while simultaneously enjoying a realistic lifestyle, strong credit and increasing savings. Our typical client saves tens of thousands of dollars and pays less than 3% interest over all.

Perhaps as importantly, through hands-on experience and positive reinforcement, clients learn how to build adequate emergency reserves, budget, plan for future goals and impending purchases, and maximize retirement savings.

The road to success is always under construction
– Lily Tomlin
"There is scarcely anything that drags a person down like debt."
– P. T. Barnum
"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
"If we don't change direction soon, we'll end up where we're going."
– Irwin "Professor" Corey
“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