Are monthly debt payments weighing you down? Do you feel stuck and unsure of how to move forward? In this SmartFinance Academy webinar, Virginia Wright, HUD Certified Housing Counselor at the Oakland Livingston Human Service Agency (OHLSA), will walk you through how to organize your debt, understand its impact, and explore strategies to reduce what you owe.

You’ll learn how to properly identify and track your debt, recognize the difference between healthy and harmful debt, and use proven tools to create a realistic plan for repayment. The session will also highlight practical approaches for reducing payments, prioritizing balances, and achieving long-term financial stability.

Whether you are managing credit cards, loans, or other obligations, this session will provide actionable steps to help you take control and start reducing your debt.

Learning Outcomes

• Understand different types of debt — and the consequences of carrying each.
• Organize debt information in order to develop a clear and realistic repayment plan.
• Explore strategies and tools to reduce and pay off debt effectively.

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