Rescue Your Family.If your family is held back by debt, help is finally here.

You’re not alone. We’re here to help you lead your family out of debt to a bright financial future.

Book an Appointment to Explore How We Can Help

New White Paper

Financial relief for the ones you love: Rescue Your Family

Empower yourself with the information and options to get your family out of debt for good.

You’ll receive the White Paper via email—and although your info won’t be shared, I may email you personally to make contact or provide more resources.

Fact 1Debt strikes families.

Debt can limit your loved ones’ careers, relationships, health, and happiness.

Americans spend 1/3 of their monthly income on debt payments.*

Fact 2Literacy crushes debt.

Financial education is the best way to help your family understand and avoid the dangers of debt.

69% of Americansare financially illiterate, according to a recent survey.*

*“The 2020 Planning & Progress Study,” Northwestern Mutual, 2020

The average millennial has $27,251 in non-mortgage debt, which includes student loans, credit cards, auto loans, and personal loans.

– CNBC, January 2021

There are 3 primary resources to save your family from the dangers and damage of debt.

Financial Education

Our HowMoneyWorks program empowers everyone in your family—children included—with the financial education they need to make confident, smart money decisions.

Payoff Advocacy

We partner with parents like you to create a plan out of debt for your family. The right resources, actions, and changes can get your adult children back on track.

Debt Reduction

Some families facing overwhelming debt can qualify for debt reduction, restructuring, and removal services that can produce significant results making life manageable again.

Let’s have a short one-on-one chat about how to rescue your family from excessive debt.

Pam Arquitt

Pam Arquitt


Financial Education

Our HowMoneyWorks education system gives your family the financial education they didn’t learn in school. We teach the 7 Money Milestones—the action steps your children need to achieve financial security and independence.

Milestone 4Apply Debt Management

This critical milestone covers:

  • Knowing your debt and credit scores
  • Managing and paying off credit cards
  • Strategies for efficient debt payoff
  • Best practices for staying debt free
  • Tactics for lowering loan payments

Get the education your family needs.

Contact me to request a copy of our top-selling book or schedule a class for your family, school, church, or business.

Key TipAlert your family about the 'Marketing Debt Cycle.'

Billions of dollars are spent on financial marketing programs designed and optimized to make your family members feel good about debt and keep them in debt for life. Knowledge can help you avoid this trap.

Payoff Advocacy

Often, families frustrated by debt and struggling to save just need help making decisions and creating an effective plan to get out of debt and prepare for their future.

If your family is frustrated by debt and struggling to save, the most important steps are to act now, get help from a financial professional, and create and execute a plan.

– Authors of HowMoneyWorks:
Stop Being a Sucker

3 RecommendationsFor Parents of Adult Children

  • 1

    Don't pay off their debt for them.It’s critical that your adult children take responsibility for their debt and learn the discipline to pay it off themselves. Paying their debts for them can only create a bigger debt problem in the future.

  • 2

    Introduce them to a financial professional.Each of your adult children—as young as college-age—should have a financial professional to help them navigate their debt and finances. Introduce them to a professional and stay involved as needed.

  • 3

    Encourage them to create a plan.The most important advocacy we can give is to help your children create a plan to pay off their debt, free up cash flow, and start saving for the future. A payoff plan will give you and them peace of mind.

Debt Reduction

We help parents—who are tired of watching their family suffer under the pressure of overwhelming debt—take back control of their income and their lives.

Products & Services

Review our suite of services all aimed at helping individuals remove and reduce overwhelming debt.

Learn More

Turn Debt to Wealth

Learn how we help people resolve debt challenges, free up cash flow, and start building their financial future.

Learn More

The bulk of debt held by adult children is Student Loan Debt

There are a number of repayment programs that can help you restructure or reduce your debt:

  • Standard Repayment Plan
  • Income-Based Repayment Plan (IBR)
  • Income-Contingent Repayment Plan (ICR)
  • Pay As You Earn Repayment Plan (PAYE or REPAYE)
  • Public Service Loan Forgiveness Program (PSLF)

Student loan debt?You're not alone.

Federal loans are a web of confusion for the 45 million young adults weighed down with 1.7 trillion in federal loan debt.

The 1st Step is ConsultationWith our expertise, we can find which plan and path forward could fit your family.

We’re helping families like yours on a weekly basis...

I was able to reduce my client’s student loan balance from $53,855 to $21,824, with another $17,000 of potential deductions. I think I was even more thrilled than my client—it’s simply amazing what we can do for qualifying clients.”

– Gary, Financial Professional on behalf of his client

My client has $517,586 ($95,000 of which is interest). The client was paying a $1,200 payment before Covid. With our programs, his new payment would be reduced to about $775–$800/month. Incredible!

– Donna, Financial Professional on behalf of his client

My client enrolled about $50,000 in debt ($25,000 in federal student loans and $25,000 in credit card debt). The program helped her free up $300/month, which she can now save for her future! 

– Andy, Financial Professional on behalf of his client

Don't Forget Get my new white paper and then contact me to help rescue your family from debt.

You’ll receive the White Paper via email—and although your info won’t be shared, I may email you personally to make contact or provide more resources.

Your family relies on you. You can rely on us.Act now to help your family create and execute a plan out of debt.

Set an Appointment With Me Today