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No Education Debt? HUG All Your Other Debt Here!

Because everyone deserves a positive money management experience and true financial freedom!

You don’t have to have education loans to benefit from HUG. In fact, you don’t have to have debt at all! (see Other Services)

If it is debt management you have in mind however, please remember HUG does not require an increase in your monthly outlay to creditors. So if you can make your minimum payments now, you’re already doing much of what HUG needs to help you succeed. If you’re struggling with minimum payments, please call us about available payment programs.

Since 2008 Dr. Rahaim and the team have been helping people just like you successfully manage and pay off all debt, including credit cards, automobile loans, mortgages and more, one family at a time. Now Rahaim’s newest organizations, HUG Your Debt™ and HUG Your Student Debt, Inc offer affordable solutions to everyone seeking a debt-free future.

HUG is a positive, responsible approach championing robust credit, affordable payments, and complete flexibility we believe is imperative for the long-term success of our clients. We utilize sophisticated, time-tested proprietary software and our unique system of financial coaching in conjunction with affordable repayment programs, retiring debts ahead of schedule, regularly saving clients tens of thousands of dollars or more in interest and payments.

Available programs range from self-administered to full financial coaching. Guidance is available for management of future debt, budgeting, emergency cash reserves, retirement planning and more.

Did You Know...

  • The average new mortgage balance is $244,000.1
  • The average mortgage balance is $137,000.2
  • Credit cards are the preferred payment type for consumers with household incomes greater than $75,000.3
  • The average American has 3.1 credit cards with an overall outstanding balance of $6,354 and a credit score of 675.4
  • On average, buyers hold onto their new vehicle for 6.5 years. That compares to 2006, when new vehicles were held for an average 4.3 years. Used vehicle buyers are also holding on to their cars and trucks longer, at an average 5.3 years. That's also more than two years longer than in 2006.5

1) Home Mortgage Disclosure Act, Consumer Financial Protection Bureau, “Average Loan Amount, 1-4 family dwelling, 2015.” Accessed June 22, 2017.

2) “Survey of Consumer Expectations Housing Survey – 2017,” Credit Quality and Inclusion, from the Federal Reserve Bank of New York. Accessed June 22, 2017.

3) TSYS U.S. Consumer Payment Study

4) Experian State of Credit Report

5) Americans holding onto their cars longer than ever -  July 29, 2015.
“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
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
"If we don't change direction soon, we'll end up where we're going."
– Irwin "Professor" Corey
"Nothing in life is to be feared. It is only to be understood."
– Marie Curie