Plans start at just $39.95/month!
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The HUG program is NOT about refinancing, consolidating or settling your debt. It's about positive money management for life. Our unique approach to financial coaching includes access to budgeting, debt acceleration, retirement planning, crisis management and virtually every financial condition you may experience. We help you build and maintain strong credit, gain a sense of control over your finances, and plan for your future.

We focus on areas YOU decide you need help with from building emergency cash reserves and successful budgeting to managing debt and retiring comfortably. Your HUG coach can even help you work through difficult financial challenges like moving to a new area or changing careers.

Within the HUG program, our patented 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 this brief contact form or call us and a HUG team member will be happy to answer all your questions or schedule your free consultation.

Call 413-773-3333 or email

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"Bankruptcy laws allow companies to smoothly reorganize, but not college graduates burdened by student loans."
– Robert Reich
"There is scarcely anything that drags a person down like debt."
– P. T. Barnum
The road to success is always under construction
– Lily Tomlin
“This would be a much better world if more married couples were as deeply in love as they are in debt.”
– Earl Wilson
"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
“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