Plans start at just $39.95/month!
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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 most clients enjoy an effective interest rate of less than 3%. 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 free consultation.

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

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"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
"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
The road to success is always under construction
– Lily Tomlin
“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