Are You Ready to Take Control of Your Finances?

Affinity Federal Credit Union offers free credit counseling and housing counseling services through Navicore Solutions. Navicore's credit counselors are certified by the National Foundation for Credit Counseling through a series of rigorous examinations on credit and money management. Any information provided or discussed with your credit counselor is held in the strictest confidence.

Navicore Solutions is a national leader in the field of nonprofit financial counseling. For 30 years our focus has been on helping people eliminate debt and achieve financial stability.

Our certified Counselors will gain a clear understanding of your unique financial situation to create a personalized plan of action to assist you.

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How We Can Help?

      1. Credit Counseling
        If you’re having trouble managing monthly bills, reach out to a certified Credit Counselor who will work with you to develop a personalized plan.
      2. Debt Management
        Clients benefit from having their own advocate who can work with your creditors and help you eliminate debt.
      3. Housing Counseling
        Navicore is certified by HUD to provide foreclosure prevention counseling and pre-purchase housing counseling.
      4. Pre-Filing Bankruptcy Counseling
        Navicore Solutions is approved by the Department of Justice’s US Trustee Program to provide the credit counseling and debtor education required for anyone filing for personal bankruptcy.


Frequently Asked Questions

A credit counseling session allows our certified counselors to take an in-depth look at your financial situation. By reviewing your unique situation, your counselor can determine a clear, unbiased solution that will best benefit you and your individual needs.  As everyone’s situation is different, it is very important that your counselor create a personally designed plan of action with appropriate resources and recommendations that will assist you.

Simply call us at 1-877-815-4699 or you can get started online.  Our certified counselors will review your expenses, income and debt to explore options for relief.

If you qualify for the program, the Debt Management Plan consolidates your bills into one affordable monthly payment. Navicore Solutions works with your creditors to possibly:

  • Lower your monthly payments
  • Lower or waive your interest
  • Stop collection calls
  • Waive late fees
  • Consolidate your debt into an affordable repayment plan

Once enrolled in the program, one monthly payment is sent to Navicore Solutions and we disburse payments to each of your creditors. Navicore Solutions provides ongoing budget and credit counseling while you are enrolled in our Debt Management Plan and we are available 7 days a week to help solve any financial challenges that might occur along your road to becoming debt free. Call us today at 1-877-815-4699  with any questions.

Every Navicore Solutions Credit Counselor undergoes extensive financial counseling training and is required to be certified through the National Foundation for Credit Counseling (NFCC). Certified Credit Counselors must also maintain their certification by attending Professional Development classes and workshops.  If you have additional questions, feel free to call us at 1-877-815-4699.

Navicore Solutions is approved by the U.S. Department of Housing and Urban Development (HUD) as a National Intermediary Housing Counseling agency providing pre-purchase, rental, default/foreclosure, and Home Equity Conversion Mortgage (Reverse Mortgage) counseling. All of our Housing Counselors are certified by the National Foundation for Credit Counseling (NFCC) the nation’s largest and longest-serving nonprofit financial counseling organization. If you are interested in speaking with a Housing Counselor, please call 1-877-815-4699.

Housing counseling services include: pre-purchase, default/foreclosure prevention, rental counseling, and Home Equity Conversion Mortgage (HECM)/Reverse Mortgage counseling. Each type of housing counseling is specific to your individual needs and is centered on providing a thorough individual analysis of your financial situation, detailed education and recommendations to make informed decisions. If you are interested in talking to a certified Housing Counselor, please call 1-877-815-4699.

Pre-purchase counseling is the link to sustainable homeownership. This type of counseling helps clients become educated on the process of planning for and buying a home. If you are interested in buying a home now or in the future, Navicore Solutions can help you through the process. The program consists of an online element called Make Your Move, and an individual counseling session with a HUD-Certified Housing Counselor. Consumers will receive a certificate upon completion of the program. The pre-purchase curriculum covers financial management, evaluating credit information, prequalifying & loan approval, financing options, shopping for a home, finalizing the loan, the closing process, maintaining the home, avoiding foreclosure and predatory lending practices. Successful completion of the program may be used to qualify for applicable homeowners’ assistance programs. Pre-purchase counseling is ideally performed before the purchase contract is signed. If you are interested in Pre-Purchase Counseling, please call 1-877-815-4699 to speak to a pre-purchase counselor.

  • Before you file your bankruptcy petition, you are required to complete a credit counseling session. This session can be completed partially online followed by a review of the information with one of our bankruptcy counselors over the phone. To register for the counseling session click please fil in the form above or call to speak with a counselor.
  • After you file your petition and receive your bankruptcy case number, you are required to complete a bankruptcy education course on personal financial management, also known as the debtor education course. We offer the course Money in Motion to fulfill this requirement which can be taken entirely online.

It can feel overwhelming when you are unable to keep up with your expenses. If you are just starting to look at your options for improving your financial situation, the first step is to speak with one of our certified Credit Counselors, who will explain the advantages and disadvantages of the various options for handling your debt, including bankruptcy.  To speak with a Credit Counselor, call 1-877-815-4699.


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I was feeling helpless and like I was in a hole that I couldn’t get out of. There is now a light at the end of the tunnel that I have been traveling down for too long. Navicore has given me a second chance and peace of mind. I appreciate the counselors at Navicore. They have helped and guided me to a brighter future.

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