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Working through financial issues can feel overwhelming. That’s why Credit Union of New Jersey has partnered with industry-leading BALANCE to provide you with financial education and counseling services. Whether you’re saving for your child’s education, or trying to get out of debt, BALANCE has financial coaches who are ready to assist you with your financial life stages.


You’ll benefit from:

  • free and confidential counseling services.
  • a library of educational resources on a wide variety of financial topics.
  • online educational programs.

Your BALANCE Experience is enhanced with:

  • Financial Coach Hotline: A certified BALANCE counselor can help answer your personal finance questions.

To speak with a counselor, call toll-free 1-800-777-7526.
Monday–Thursday 5 AM–8 PM, Friday 5 AM–5 PM, Saturday 8 AM–5 PM (Pacific Time)

  • Debt and Budget Counseling: Each financial situation is different. A BALANCE coach can help you design a realistic spending and savings plan if you’re looking to get out of debt, pay your bills with ease, or save for retirement.
    • Debt Management Plan: Breathe a little easier as you explore your options for debt relief, including a structured plan to consolidate your credit card debt, lower payment amounts, and even reduce or eliminate interest and fees.
  • Credit Report Review: Allow a professional to help you make sense of your credit report. You’ll get the advice you need to correct inaccuracies, build your credit, and secure your future.
  • Student Loan Counseling: Experts can guide you through the complexity of the various programs, explain your repayment options under each, and take into account the context of your financial circumstances.
  • Homeownership Counseling: Make your dream of homeownership a reality with a HUD-approved housing education program.
    • Pre-purchase counseling: Learn everything from saving for a down payment, applying for a mortgage, and preparing for closing.
    • Foreclosure Prevention: If you’re struggling to make your mortgage payments, help is available. Take advantage of early delinquency intervention to discuss alternatives to foreclosure.
    • Reverse Mortgage Counseling: Make a more education decision on whether this type of loan is right for you. Discover the benefit, consequences, and process of obtaining a home equity conversion mortgage.
  • And more!



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