BALANCE Financial Fitness Program

A HealthCare Associates membership entitles you to free, unbiased, confidential money-management counseling and education through BALANCE. Counselors can help you develop a manageable spending plan, increase savings, reach your goal of home ownership, avoiding bankruptcy, debt consolidation and more.



Online Financial Education

Get access to multiple online financial tools for handling credit reports, identity theft, investing and more.

Balance Programs


Financial Counseling by Phone

Get answers to questions immediately. For more complex issues, such as debt elimination or budget development, schedule an appointment so you get the personal attention you need to meet your objectives. Call (888) 456-2227. Counselors available Monday-Thursday, 7am-10pm; Friday, 7am-7pm; Saturday, 10am to 7pm (CT).

Budget Healthy

Check out our BALANCE Budget Worksheets to help you get on track -- and stay on track.