Plans start at just $39.95/month!
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HUG Plan Options

Choose the Plan that's right for you!

All our plans include a free consultation and strategizing session, free setup assistance, and access to the HUG dynamic software.


Self-Directed Plan – $39.95 monthly

Our entry-level plan is perfect for those with few debts and who don't desire or need for financial coaching or budgeting assistance. Members enjoy full access to the HUG dynamic debt software, an initial setup consultation, a free retirement planning consultation and an e-book copy of Debt or Alive; Uplifting Stories and Positive Solutions for Life After Debt.


Defined Coaching Plan – $79.95 monthly

Our most popular plan offers all the benefits of the Self-Directed Plan PLUS 2 hours with a HUG Coach to help you with budgeting, improving credit and future goal planning.


Full Financial Coaching Plan – starting at $109.95 monthly

Is your financial situation complicated? Our Full Financial Coaching Plan might be the right fit. It offers all the benefits of the Defined Coaching Plan PLUS unlimited access to a HUG Coach for budgeting, credit, future goal planning, retirement planning, and “Solutionizing.” You’ll also receive a personalized, signed copy of Debt or Alive; Uplifting Stories and Positive Solutions for Life After Debt! Each plan is custom designed to your needs. A precise quote will be provided after a brief intake consultation so we may better assess your needs.


Need something not listed in the Plans above? Just contact us. We’re happy to create a custom plan to meet all your needs!


Self-Directed Plan Defined Coaching Plan Full Financial Coaching Plan
Initial set-up consultation – Personal service from a HUG team member to get you off to a great start!
HUG Debt Acceleration - Manage all your debt—credit cards, mortgages, even education debt!
Future debt-management – Need to buy a car, or finance something in the future? HUG is here to help you pay it off quickly.
Budget tools & support – Real success in this area requires a hands-on approach. Our HUG team members and coaches are realistic, compassionate and experienced!
Included under the 2-hour phone or online support with your personal HUG coach.
Credit coaching – Interested in protecting, rebuilding or improving your FICO score? We know how to get it done and we’ll help you do it!
Included under the 2-hour phone or online support with your personal HUG coach.
Future goal planning – Want to start a business? Fund higher education? Change careers? Buy a car? We’ll work with you to identify obstacles and opportunities and help you reach your financial goals! Available À la Carte
Included under the 2-hour phone or online support with your personal HUG coach.
Retirement guidance – Whether you are just beginning to save, have an eye on your retirement date, or already retired, your HUG coach can help you maximize your retirement so you can enjoy the life you imagined!
FREE Consultation/Strategy Session

FREE Consultation/Strategy Session

FREE Consultation/Strategy Session
Access to a personal HUG coach
2 hours of total one-on-one time with a HUG coach, online or by phone and unlimited access to the HUG team via web, email phone and fax for budgeting and/or debt plan support.

Unlimited access to your HUG coach - personal, financial coaching from A-Z
Dr. Rahaim's book, Debt or Alive
Uplifting Stories and Positive Solutions for Life After Debt

e-Book

e-Book

Signed copy and e-Book
Monthly Amount – There is no long-term monthly contract. To encourage success, we ask that you pledge to follow the HUG Plan for at least 12 months. $39.95 $79.95 Starting at
$109.95
(call for precise quote)
Single-pay option – Never see another bill! Is your HUG timeline greater than 3 years? Save by taking advantage of this single payment option. $1,438.20 $2,878.20 from
$3,958.20
(call for precise quote)
The road to success is always under construction
– Lily Tomlin
"There is scarcely anything that drags a person down like debt."
– P. T. Barnum
"Nothing in life is to be feared. It is only to be understood."
– Marie Curie
“This would be a much better world if more married couples were as deeply in love as they are in debt.”
– Earl Wilson
"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
“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