FinancialChange is the end result of all true learning. – L. Buscaglia

Learn More

Debt and Budget Coaching by Balance®

While there are hundreds of “debt counseling” organizations across the country, we have agreed to quality standards that include accreditation, certification of counselors, audits and core policies that ensure quality service. We offer a Debt Management Plan, and are committed to providing comprehensive money management education and counseling.

Read more


Credit Report Review by Balance®

Our counseling services range from money management to housing to debt management and everything in between. Our counselors are certified credit report reviewers and know their stuff. They are your financial gurus, here to give you the right guidance and support, whatever your financial situation.

Read more


Student Loan Coaching by Balance®

Borrowing to pay for college is the easy part. Repaying the debt is much harder. To know which options are best for you, your career prospects and your budget, it helps to have access to an expert who can guide you through the complexity of the various programs, explain your options under each, and take into account the context of your financial circumstances. We speak the language of student loan financing fluently, and are ready to work with you in a one-on-one student loan counseling session.

Read more


Homeownership Coaching by Balance®

Housing can be an overwhelming subject to tackle on your own, whether you are dreaming of owning your first home, or struggling to make mortgage payments on your current home. Our counselors are readily available to help you make sense of it all.

Read more


Explore Our Financing Products & Services

A Safe Place for Your Money

A Safe Place for Your Money

Kaiperm members can find comfort in knowing that no matter the size of your deposit, every dollar is safe, secure and 100% insured by the NCUA, up to $250,000. We're here to keep your assets safe as they grow.

Join Us Now