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Churches help pay debts and bills.

Many churches, synagogues, faith based groups and other places of worship across the country have expanded their goals as well as missions. These faith based groups continue to try to help people with a more pressing need as layoffs and economic worries persist. Churches and other places of worship are providing more and more financial assistance, such as help with debt, rent, utility bills, and more. Today, it is very common for the historical place for spiritual nurture to also help people and provide financial guidance.

One common church based debt assistance program is a 13 weeks plan that was created to help people with everyday bills and debts. This is known as Dave Ramsey's Financial Peace University, but there are other financial literacy programs available as well that all focus on reducing a household’s debt.

In one example, participants in the Catholic Charities Bible Chapel program paid off their home mortgages, held yard sales to pay down credit card debt, and reconsidered purchases that involved using loans. As a result of this debt reduction based service, the families were able to establish a well funded emergency cash fund and there are some who cut up their credit cards. Find additional debt assistance programs and ways to get out of debt.

Debt counseling from churches

There are Christian as well as faith based credit counseling agencies. They combine mentoring and faith based teachings with the standard services such as debt help. They often operate the same programs as “non-religous” groups (when it comes to debt help, credit repair, etc.) but a big difference of the Christian groups (as well as Jewish and Islamic) is the mentoring and general advice. Everything is free as well as non-judgmental. Read more about Christian free credit counseling agencies.

Many churches across the nation are sponsoring Dave Ramsey's Financial Peace University, which is a national video program. The service promises to help participants get out of debt, prosper, and improve their financial situation.




Unfortunately, as the economy has worsened, more churches and other worship places bought the $300 curriculum for members of their community. The program is based on the biblical principles that Dave Ramsey, a syndicated radio talk-show host and an author developed. Families that seek assistance with their bills from the church pay only for workbooks, which amount to about $100 for the program.

Almost 8,000 groups across the nation, the vast majority of them churches, offered the program to help people. The roll-out of the Financial Peace University system continues to increase as well. There are both local as well as national church groups that offer it at their parish.

While for many religious groups and churches, offering financial-planning sessions and assistance for paying bills might seem off the typical mission. Traditionally, those needs were to focus on pastoral counseling, feeding the hungry, and ministry to the dying. This form of debt counseling now being provided by churches is invaluable to less fortunate families. Many people do not know where else to turn to for help, and this service gives them the support they need. For locations of debt counseling and budgeting classes, more information is at

Other support from churches

Additional debt assistance and credit counseling services are arranged as well. Many churches are also providing access to emergency low cost loans. This can be invaluable for desperate families that are out of all other options. There are a few benefits in turning to a church for these funds, and the main one being is they mandate debt counseling in order to apply for money. The service also stops members of the community from turning to high priced payday lending companies.

The debt counseling and loan programs are for individuals of all faiths. Not only that, but immigrants, refugees, and families living in poverty (that are out of the mainstream banking system) also turn to these services. There are many ways to apply, and find how churches offer loans.





Many churches are changing with the time, and now providing budgeting skills. Using tools such as the Financial Peace University they are showing people ways to get out of debt. Staff are directing families to sources of free aid to help pay utility bills, rent, and more. This is good for America, as the more places, such as charities and churches, that offer debt reduction assistance or loan programs during these difficult times, the more places people have to turn to.

By Jon McNamara

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