Our Services

Guidewell Financial Solutions offers financial counseling services to all members of the community. We are funded by community organizations, creditors, and businessesnot by charging you large fees. We do not lend money. We are not a collection agency. All of our services are completely confidential.

“…Our counselor was nonjudgmental and businesslike. She helped us take an honest look at where we stood financially. We could see we needed a change in attitude, but what really made the difference was actually having a plan.”

– Guidewell Financial Client

Credit Counseling

Our certified credit counselors show you how to get your finances under control. We help you understand your financial situation, set up a budget, and make smart financial decisions on your own—now and in the future.

While paying your bills on time is the ideal situation, we understand that’s not always possible. We are certified to counsel you on debt resolution options such as Debt Management Plans and bankruptcy.


If you’re considering bankruptcy, you need accurate, objective advice to help you fulfill federal requirements. Our knowledgeable bankruptcy counselors will help you decide if bankruptcy is right for you, then guide you through the process.

“They listen and communicate well. I love that they keep in constant contact with me and provide me with the most up-to-date information on my account."

– Guidewell Financial Client


We offer certified housing counseling and education programs to help you understand what you can do to buy a home, obtain a reverse mortgage, or save a home from foreclosure.

  • Homebuyers Pre-Purchase Counseling and Group Workshops—Find out if home ownership fits your finances.
  • Online Homebuyer Pre-Purchase Certificate Program—Learn the ins and outs of buying and financing a home.
  • Reverse Mortgage Counseling—For homeowners over age 62 who are thinking about applying for a reverse mortgage to help pay expenses.
  • Mortgage Delinquency and Foreclosure Prevention Counseling—For homeowners facing possible foreclosure.
“Through (Guidewell Financial’s) efforts, nearly 200,000 individuals and families have become more financially literate and secure, and the state of Maryland is better for it.”

 Maryland State Comptroller Peter Franchot’s remarks at presentation of 2013 William Donald Schaefer Helping People Award

Financial Coaching

Our experts work closely with you to create a plan to meet your financial goals, wherever you are in life. Whether you’re a new graduate starting out or you’re planning to retire, we’re here for you in person, online, or by phone to help you get and stay on the path to a secure financial future.


We believe that teaching people how to take charge of their finances strengthens the whole community. Our online Learning Center has a wide variety of up-to-date financial information that anyone can use, at no charge. We also teach community workshops and financial seminars for universities, non-profits, government agencies, and businesses.

Student Loan Counseling

Guidewell Financial’s student loan counselors are certified through the National Foundation for Credit Counseling (NFCC). They can help you review your entire financial situation, determine where you stand with your student loans, and come up with a repayment strategy that’s right for you. To learn more visit, Student Loan Counseling.