Arbor Investment in Financial Education assesses a fee of $25.00 for single and joint filers to provide personal financial management instruction. This fee includes instruction, all course materials, and generation of the certificate of completion. I can pay this fee with a debit card, credit card, PayPal, electronic checks, or money order. Arbor Investment does not offer discounts to our online program other than a complete fee waiver based on ability to pay. If you have a prepaid code from your attorney the amount paid for this code is $25.00. If your attorney charged you an amount above this fee you must consult the attorney with billing questions or a refund for the difference.

Arbor Investment will provide services without regard to a debtor student’s ability to pay and will not withhold a certificate of counseling because of an inability to pay. We do have a fee waiver program. Eligibility will be determined during the online registration process. If you are eligible for a fee waiver of the $25.00 fee for this counseling you may apply for final approval by completing the Fee Waiver Request Form. We will review the information and let you know if you are eligible for a fee waiver based on the information you provide and if your income is less than 150 percent of the poverty guidelines published by the United States Department of Health and Human Services. Credit Advisors will provide free bilingual counseling services or professional interpreter assistance to any limited English proficient client. Arbor Investment in Financial Education neither receives nor pays a fee for the referral of the student debtor to our program.

I understand that the purpose of the personal financial management instructional course offered by Arbor Investment in Financial Education is to prepare me to be a well informed consumer and manager of my own financial future. The information is provided with the understanding that the authors and publishers are not herein engaged in rendering legal, tax, investment or other professional advice and services. As such, it should not be used as a substitute for consultation with professional financial advisors. While we have made every attempt to ensure that the information provided has been obtained from reliable sources, Arbor Investment in Financial Education is not responsible for any errors or omissions, or for the results obtained from the use of this information. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. 101 et seq.

Internet instruction in personal financial management is available 24 hours per day, 365 days per year. Trained instructors are available to answer your questions at 1-800-625-7725 during regular office hours of 8 am to 6 pm Monday through Friday, central standard time. I understand this instruction is provided by a Personal Finance Counselor certified by the Center for Financial Certifications.

Arbor Investments provides services in English, Spanish, and Korean. Consumers requiring services in other languages should seek assistance from another provider.

I understand that my information may be disclosed to the United States Trustee in connection with their oversight of Arbor Investments, or during the investigation of complaints, during on-site visits, or during quality of service reviews. The United States Trustee has reviewed only the agency’s instructional course but has not reviewed nor approved any other services Arbor Investments provides to clients.