Apprisen Review

Sunday, October 1st

2023 Credit Counseling Service Reviews

Apprisen

• Free initial Financial Review Session
• Many other services are also complimentary
• Debt Management Program may have one-time setup fee of $45 plus monthly fees up to $45
• No denial of service if you're unable to pay
• Propel, Financial Coaching, Credit Health Education Sessions, and Financial Health Plans are also fee-based
• In business since 1955
• "A+" rated and accredited by the BBB
• Accredited by the NFCC

Apprisen is a nonprofit credit counseling agency that has helped over 750,000 individuals and families manage their finances since 1955. They offer a range of services, including credit counseling, debt management plans, bankruptcy counseling, student loan counseling, and financial education.

Use IRIS to get an initial action plan

In terms of credit counseling, Apprisen provides a free initial consultation to assess your financial situation and provide recommendations. To get started with Apprisen, you can either give them a call or use IRIS, their "financial health expert" (bot) that will gather information about your current financial situation and needs. The info you provide will be shared with a financial specialist at Apprisen, who will do a comprehensive analysis to create a customized action plan. You'll receive that plan in your inbox within 48 hours.

Fees waived if you qualify

Many services offered by Apprisen come at no cost, but even those that are fee-based can have those costs waived if you're unable to pay. That's one big benefit of working with any non-profit credit counseling organization: you're likely to get help no matter where you are on your financial journey.

Debt management program available

One fee-based service with Apprisen is their debt management plans, which involve negotiating reduced credit card interest and fees, then making a single monthly payment to Apprisen, who then distributes the funds to your creditors. You may be charged a one-time fee of $45 to set up your account, and then monthly fees of no more than $45. Those are service fees on top of your negotiated debt repayment amount.

Bankruptcy counseling before and after filing

If you are considering bankruptcy, Apprisen offers pre-bankruptcy counseling and debtor education courses, which are required by law before and after filing for bankruptcy. Expect to pay $25 per individual for pre-bankruptcy counseling for an online course session (though, again, that fee is income-based and can be waived if you qualify). If you live close to one of Apprisen's local offices, you can attend a group workshop for post-bankruptcy education for a fee of $50 (same fee whether it's attended individually or jointly).

Help for student loans

For those with student loans, Apprisen offers counseling and guidance on repayment options, loan consolidation, and deferment/forbearance programs. Student loan education sessions are free to access.

Check out the workshops and other educational resources

Finally, Apprisen provides a range of financial education services, including workshops, webinars, and online resources to help you improve your financial literacy and make informed decisions about your finances.

Positive reputation

Apprisen has an excellent reputation, starting with an "A+" and accreditation from the Better Business Bureau. At the BBB, over 100 people took the time to leave a glowing review for this credit counseling service, averaging an impressive 4.9 out of 5 stars and zero complaints filed. Clients praise Apprisen reps for being courteous and knowledgeable, and they say that they were able to not only get out of debt but also make plans going forward for a solid financial future.

Well worth considering for most credit counseling needs

Overall, Apprisen's services are geared towards helping individuals and families get out of debt, manage their finances, and achieve long-term financial stability. We appreciate that they make their pricing transparent on any fee-based services, and that their clients have nothing but good things to say about the overall experience of getting help here. Apprisen earns our recommendation as a credit counseling provider to consider.