Home - Prudent Financial Solutions

We provide a consultative and tailored approach to help people burdened with debt by providing financial solutions that are prudent and aligned with their financial goals. Our goal is to build a comprehensive road map that provides education, services, and a clear path to financial independence.

1.045

Trillion


Total Credit Card

Debt in the U.S.

(December 2018)

$8,187

AVG. Debt


Average Credit Card Debt

per U.S. Household

(December 2018)

1.569

TRILLION


Total Student Loan

Debt in the U.S.

(Q4 2018)

$28,400

AVG. Debt


Average Student Loan

Debt per Student

What We Offer


Debt Consolidation

Many Americans have become overwhelmed with debt. Monthly statements from student loans, mortgages, car payments, and credit cards fill the mailboxes of millions of consumers everyday.

HELOCs

HELOC (Home Equity Line of Credit) or simply “home equity credit line," allows consumers to access the equity in their homes.


Cash Out Refinance

For many consumers, a Cash Out Refinance Loan can be used as an option to pay off credit card debt. The process involves replacing your current home loan with a new one.

401k Loans

A 401k loan can be a viable option to pay off high interest credit card debt, as most 401k plans offer a loan option.

Calculators

Blog

April 30, 2021

Your Financial Planning Strategy: How to Settle Credit Card Debt

The credit card balance of the average American is nearly $6,200. At that rate, debt can easily become unmanageable. If you’re having a hard time making […]
April 30, 2021
Calculator with text Debt Free! - Prudent Financial Solutions

Debt Financing: When is the Right Time to Take a Loan?

Dealing with debt can feel like a never-ending struggle. As soon as you pay one balance down, something comes up, and all of a sudden, you’re […]
April 30, 2021
Credit Report Financial Banking Economy Concept - Prudent Financial Solutons

Personal Finance Planning: Where and How to Start

Did you know the average American household has $145,000 of debt? That’s a shocking amount. Even with good debt such as a mortgage, that’s a high […]

We’ve helped many people, just like you.

I was burdened with debt after I lost my job. It was a very difficult time for me and my family. I have always been a cautious person and was nervous about calling. I decided to call Prudent anyway and it was the best decision I ever made. From the beginning to the end they were supportive, kind and extremely helpful. I only wish I had approached them earlier. Thanks to them, mine and my family's struggles are over.

Howard R. | Ft. Lauderdale Fl


Prudent financial helped me through a very difficult time in my life. They were able to provide the right financial vehicle to help me out an overwhelming amount of credit card debt. It would have been a long stressful process if I did this on my own, but with Prudent's support this was a hassle free process! Highly recommend.I was hesitant starting the process but I could not be happier and more relieved that I did. The customer service was exceptional and the process gave me the peace of mind that I much needed. Thank you Prudent!

Janice R- Red Bank, NJ


I was hesitant starting the process but I could not be happier and more relieved that I did. The customer service was exceptional and the process gave me the peace of mind that I much needed. Thank you Prudent!

Richard G. - Los Angeles CA


I went to several companies when I was desperate and did not find a solution for my debt anywhere. I came across Prudent Financial Solutions and was hesitant at first but it ended up being the best decision I ever made. They were kind, courteous, respectful and helped me along every step of the way.

Beckie M | Omaha, Nebraska