The Dollars And Sense of Financial Stability - Controlling Debt Through Education

Looking Forward Our Way

Apprisen is a non-profit organization committed to their clients' financial well-being and controlling debt. For over 60 years, they've been helping, empowering, and motivating people along their financial journey.

They offer an array of services and resources designed to help their clients achieve financial health and wealth. This is done mainly through education.

In this episode, we talk about financial stability and discover that there are so many resources available to you.

Tasha Bishop, Director of Operations and Development for Apprisen. For those who are long-time Central Ohioans, you may remember their former signature, Consumer Credit Counseling Services.

Apprisen services concentrate on:

• Financial/Debt Understanding and Planning
• Financial Protection and Stability,
• And most importantly – the counseling needed through major transitions like bankruptcy

We discuss the need to understand debt, and how to budget and plan for financial stability.

One huge problem faced by so many is student loan debt. And it doesn’t just affect current students today. Many who came into the workforce during this pandemic, or even the recession in the early 2000’s are drowning in long-term student loan debt. Their parents may have co-signed for loans and now trying to pay them off, affecting their retirement. Or those who have gotten married and their spouse has a debt issue. It seems that nearly everyone is burdened. How has Apprisen stepped in to guide those suffering under this liability?

One thing that always comes up for those looking to purchase a house is their credit score. Tasha sheds some light on what exactly a credit score is, how it is critical in the purchase of a house or other large asset. And most importantly, how it can be “fixed.”

There are so many other issues that have arisen since 2020 regarding housing. Many were in a home but suddenly facing eviction, and changes in the law regarding evictions and back payments. What trends did Apprisen see in Central Ohio? What steps did you suggest clients take?

There seems to have been an upsurge in commercials regarding reverse mortgages recently. And, of course, they are directed at our older citizens. What advice does Apprisen normally provide on reverse mortgages?

Employment is always the key factor in financial stability. Unless, of course, “Great Aunt Millie” left you with tons of dollars! Employment is still an issue in Central Ohio. Many lost their jobs, or their hours and/or salary were cut. It wasn’t just salaries that disappeared, but also benefits like health insurance and pensions. Tasha provides us with tips and resources to benefit those in need.

The Apprisen programs and services are very much directed at educating clients. We often say, “you don’t know what you don’t know”. How does a client get started with you, are there qualifications they must meet? Which programs do they begin with?

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Recorded in Studio C at 511 Studios. A production of Circle270Media Podcast Consultants.