Navigating for stability, inspiring growth
Our story
For more than 30 years, myWaypoint has been the reference point local families rely on to turn financial doubt into security. You may know us as Credit Counseling Center. In 2026 we became myWaypoint, a name that reflects what we have always done: help people find their bearings and chart a path toward a stable, empowered financial life.
Like a waypoint on a journey, we are the steady point of reference that helps you navigate what is next. We are a private 501(c)(3) nonprofit serving Pennsylvania residents statewide, where approximately 70% of the families we serve are low-to-moderate income, reflecting our commitment to those who need us most.
How we help
my Waypoint
Anchor
Helps people facing foreclosure or weighing bankruptcy find relief and steadier ground.
my Waypoint
Launch
Prepares first-time buyers to purchase a home or car with confidence.
my Waypoint
Vista
Helps you manage student loans, build savings, and plan for the long term.
Accreditations
myWaypoint is
HUD-approved
accredited by the Council on Accreditation (COA)
accredited by the Pennsylvania Housing Finance Agency (PHFA)
approved by the U.S. Department of Justice
and NACCC-affiliated. myWaypoint is a 501(c)(3) public charity, EIN 23-2754268.
myWaypoint has served more than 125,000+ Pennsylvanians and saved over 90% of clients homes from foreclosure.
Board members
Our Board members bring a wealth of experience and dedication to the Credit Counseling Center. Learn more about their professional backgrounds, achievements, and contributions to our mission.
Our leadership
Paula Powers-Watts
Executive Director
In 2021, Paula was named Executive Director of Credit Counseling Center. She joined the organization in 2008 as a Credit Counselor and was quickly promoted to Director of Housing Counseling in 2009. Paula is a firm believer that each client is a representation of a family whose lives, financial challenges, and needs are important.
She developed and still leads the Center’s Foreclosure Prevention program; and has partnered with the Bucks County Court of Common Pleas Foreclosure Diversion Program. Her keen focus on making a positive impact in the community has generated numerous program collaborations with the United Way of Bucks County and a multitude of social service organizations in the region.
Previously, Paula served 21 years on Active Duty in the US Air Force. Initially serving as a combat photographer and finishing the second half of her career as a recruiter, leading to the position of Flight Chief. Highly decorated, she has received awards from the Air Force and the Department of Defense.
An active leader in the Bucks County community, Paula donates her time annually as a board member for the annual Congressional Service Academy Nomination Interviews under the office of Congressman Brian Fitzpatrick. She is an active Chamber member in Lower Bucks, BucksMont, and Upper Bucks, advocates for financial literacy education opportunities at venues servicing low/moderate income consumers and senior citizen organizations.
Under Paula’s leadership, the agency continues to grow and develop new programs enhancing the agency’s ability to better serve the community.
In the news
Frequently asked questions
Are you the same organization as the Credit Counseling Center?
Yes. myWaypoint is the new name for the Credit Counseling Center. Same mission, same team, same accreditations.
What makes myWaypoint different from a for-profit debt company?
We are a nonprofit. Our counselors give honest, judgment-free guidance in your best interest, never a sales pitch, and our services are free or as low-cost as possible.
