Listings for Financial / Budgeting Assistance and Counseling


Finances impact every part of our lives. As we age, finances can be strained by a fixed income, familial obligations, changes in the economy, and more. Resources, both public and private, in the community can help you to navigate your personal financial situations.

Budgeting Assistance and Counseling

Budgeting can be difficult, especially if you're looking at or just recently entered retirement. These resources can help you to prioritize your finances and get on track with a sustainable budget.

See the glossary for descriptions of all categories

Administration of Resources and Choices (ARC)

Home Owner Assistance Fund, Home Buyer Program and Reverse Mortgage

1625 N. Alvernon, Ste 101
Tucson, AZ 85712

(520) 623-9383

Fax: (520) 623-9577


  • Low Income

The Homeowner Assistance Fund (HAF):
Helps eligible individuals and families who have experienced financial difficulties from COVID-19 (since January 2020) pay mortgage delinquencies and balances due, past due utilities, unpaid homeowners’ insurance, and taxes.

Home Buyer Programs:
Affordable lending now makes it possible for more individuals and families to consider homeownership than ever. ARC’s certified Housing Counseling professionals use a Home Buyer Readiness Survey to create individual plans that can help you achieve successful homeownership.

You can expect to receive the following benefits upon completion of ARC’s “Home Buying and Pre-Purchase Services” program:

Education and Counseling
Eligibility Review for Down Payment Assistance
Home Purchase Budget Preparation
Credit Score Review and Credit Counseling
Home Buyer Education Class Certification
Evaluation of Various Lending Programs
Mortgage Readiness Review
How much home is right for you?
Know your borrowing potential
Review lender opportunities

Reverse Mortgage Counseling:
Let ARC’s professional counselors help you determine if a Reverse Mortgage is right for you. The initial consultation is free. You must be 62 years or older to apply.

A Reverse Mortgage Can…
Create a tax-free income stream for life
Provide security to age in place
Eliminate loan payments during your lifetime
Call us for an appointment: (520) 301-5126

business hours
Monday - Thursday 9am-5pm; Friday 9am-4pm

Frees for credit reports and reverse mortgage program, Please call for details.

Family Housing Resources, Inc.

3505 N. Campbell Avd., Ste 501
Tucson, AZ 85719

(520) 318-0993 ext: 109

Fax: (520) 323-3788


  • Low Income
  • Spanish Services

Family Housing Resources (FHR) is a HUD-certified counseling agency. FHR assists low to moderate-income individuals and families with housing resources and information, including financial management and budget counseling, pre-purchase counseling, pre-purchase home buyer education workshops, and predatory lending education.
FHR also manages six rental properties for low to moderate-income households and may have units depending on availability. One of the properties that FHR manages is a senior living community for low-income seniors, Silverwood Casitas. There is currently a 2-year waitlist and no availability at this property.

business hours
M - F 8:00 AM - 4:00 PM

Financial Planning Association (FPA)

Andrew J. Spillios

650 E. Rudasiill Rd
Tucson , AZ 85704

(520) 625-8108


Andrew Spillios is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. We are serving clients in Tucson, AZ, and the surrounding communities.
Andrews specialties in Budget & Debt Management, Comprehensive Financial Planning, Attending College, Investment Management, Estate Planning, Retirement.

business hours
M - F 8:00 4:30 MT

Money Fit by DRS

Debt Reduction Services, Inc.
Credit Counseling

(800) 432-0310


  • Spanish Services

Money Fit offers
-Debt Management Program
-Debt Counseling
-Debt Payment Consolidation
-Credit Counseling
-Budget Counseling
-Financial Education
-Student Loan Repayment Plan Counseling and Application Assistance
-Bankruptcy Certificate Counseling and Education Services
-Financial Education
For more information or assistance, please visit our website or call our 800 number.

business hours
M-F 6:00 am-4:00 pm Pacific Time

Free Credit and Budget Counseling and Financial Webinars
One-time regulated enrollment fee
Monthly sliding and capped administrative fee.
Bankruptcy and student loan counseling services have their own one-time fees

Money Management International

2401 W. Peoria Ave., Ste 120
Phoenix, AZ 85029

(602) 246-4520

Money Management International provides credit counseling, debt management plans, foreclosure counseling, homebuyer counseling, credit report reviews, reverse mortgage counseling, bankruptcy counseling, and representative payee services to consumers struggling with debt, budgeting, housing, and student loan concerns. Services are available by phone, online, and face-to-face. Counseling is available by telephone 24/7, so no matter where you live or what time of day it may be, when you’re ready to speak with a counselor, we’re here to help - 866-550-8004.

business hours
Tues–Thurs 9:00AM –3:00PM by Appointment

National Association of Personal Financial Advisors

(847) 483-5400


The National Association of Personal Financial Advisors (NAPFA) provides Fee-Only financial planning across the country with some of the highest standards for professional competency comprehensive financial planning Fee-Only compensation. With more than 4,000 members across the country, NAPFA is the leading professional association in the United States dedicated to advancing Fee-Only, fiduciary financial planning.

service area

business hours
M - F 9:00 AM - 5:00 PM

Pima Council on Aging (PCOA)

Personal Budgeting Assistance

8467 E. Broadway Blvd
Tucson, AZ 85710

(520) 790-7262


The Personal Budgeting Assistance Program at PCOA pairs trained volunteers with people who need assistance with budgeting, writing checks, and organizing bills. Services are provided in-home.

service area

business hours
M - F 8:30 AM - 5:00 PM

No Cost

Pima County Community Land Trust (PCCLT)

17 N. Linda Ave.
Tucson, AZ 85745-2960

(520) 603-0587 ext: 121


  • Spanish Services

Pima County Community Land Trust (PCCLT) is committed to developing permanently affordable housing, promoting community revitalization, and providing programs and services that help low-moderate income families achieve, preserve, and sustain housing.
As a HUD-approved housing counseling agency, we provide pre-purchase, homeowner and renter individual counseling services to identify obstacles and create an action plan to overcome them and include a review of finances (income/expenses), preparing a budget, and reviewing credit. We host education workshops that focus on financial management, homebuyer education, and homeowner advocacy. PCCLT manages a pipeline of permanently affordable homes available for sale and rent.
We offer down payment assistance to purchase a home and have monetary assistance for those experiencing hardship.

Due to the ongoing COVID-19 crisis, we are not currently scheduling in-person appointments or accepting walk-ins.
However, we are scheduling all of our services via phone or videoconferencing and will gladly make accommodations as needed. Contact us by phone or email. All messages are returned promptly.

business hours
M - Th 9:30 AM - 5:30 PM, F - Su Closed

Valley Assistance Services, Inc.

3950 S. Camino del Heroe
Green Valley, AZ 85614

(520) 625-5966

Fax: (520) 625-1261


  • In-Home Services
  • Low Income
  • Spanish Services

Valley Assistance Services provides multiple community health and social services programs, which include:
- Going Home with Care, a post-hospital discharge program
- A Touch That Cares (R), RN Medical Advocacy for seniors
- SHiM (R), (Safety and Health in Motion), a fall prevention program
- Neighbors Helping Neighbors in Green Valley/Sahuarita and Tubac Regional Neighbors Helping Neighbors, a transportation and socialization program
- MAP (Map-a-Plan), a rent and utility assistance program
- Workforce Training/Career Path Building and Computer Lab
- Neighbors AIM (Awareness in Memory Loss), classes, and peer-support groups
- connect with, friendly phone calls to seniors
- SASS (Social and Support for Seniors), peer-group socialization
- SNAP (food stamps) application
See separate Resource listings for detailed information.

service area
Amado,Arivaca,Green Valley,Sahuarita,Tubac

business hours
M - F 9:00 AM - 5:00 PM

All programs are free except for A Touch That Cares(R) concierge care management, a fee-based program.

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