Contact Us

The HUG program is NOT about refinancing, consolidating or settling your debt. Our unique approach to financial coaching and money management is about building and maintaining strong credit, gaining a sense of control over your finances, and planning for and attaining financial goals. We focus on areas YOU decide you need help with from building emergency cash reserves and successful budgeting to managing debt and retiring comfortably. We even help you work through difficult financial challenges like moving to a new area or changing careers.

Within the HUG program, a proprietary debt-management coaching system developed with students and parents in mind, most clients enjoy an effective interest rate of less than 3.75%. Yes, that includes mortgage, credit cards, education debt and more. We are proud to help our clients save tens of thousands of dollars in interest, and years of payments while acquiring valuable financial management skills.

It’s easy to find out more! Just complete the brief contact form below or call today and a HUG team member will be happy to answer all your questions or schedule a consultation.

Give us call 413-773-3333 or email us directly at


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“I’m in debt. I am a true American.”
– Balki Bartokomous (fictional character played by "Bronson Pinchot" in the television sitcom "Perfect Strangers")