Debt can be a powerful vehicle for improving an individual's financial position. It can enable someone to purchase a home, open a business and obtain a college education. However, if misused it can have devastating effects for years, preventing one from establishing an emergency fund, saving for a child's education and/or contributing sufficient funds to retirement accounts. I am focused on finding opportunities to make Navicore's financial coaching, literacy and counseling efforts more accessible to those who need them.Navicore has built successful partnerships with: Financial Institutions: We help banks, credit unions and lenders build customer loyalty by making financial counseling available at critical times in a consumers life. Whether it is providing sound guidance before a loan is taken or helping a consumer navigate a financial hardship, our counseling demonstrates to consumers that they're financial institution cares about their financial well-being.Colleges, Universities and Trade Schools - Providing one on one counseling with students and their families to establish four year budget projections with the goal of limiting the amount of student loan debt accumulated throughout college. Outreach efforts for students at risk of early withdrawal and transition counseling to prepare graduating students with the an action plan for managing their personal finances as they enter the workforce.Bankruptcy Filers- Helping individuals and families recover from the hardships that have led them to bankruptcy. The first step is to seek advice from a competent bankruptcy attorney to ensure you maximize the debt relief and asset protection available through the law. Then with the burden of debt removed or at least lightened, you can focus on rebuilding your finances. We take great pride in providing the financial education and resources that enable individuals and families to begin working towards a brighter and more secure financial future.