See the full picture.
Plan for the road ahead.

Financial literacy | Economic empowerment

Wherever you are financially, myWaypoint Vista opens up the wide view. We meet you at your current coordinates and help you see clearly where you want to go, and how to get there.

Who we help

myWaypoint Vista is for anyone working to find a clearer path to accomplish their financial goals, whether you’re navigating debt, building credit from scratch, or planning for what’s next. There’s no wrong starting point. Our team is ready to meet you where you are and help you see the road ahead.

No judgment, no pressure. Our counselors work with clients at every income level and every stage. If you are not sure where to start, that is exactly why we are here.

Pathways to financial freedom:

Student loan counseling
Credit health
Budget coaching

Pathways to lasting security:

Emergency Fund Building
Retirement
Economic Stability Program

What you receive:

A private session with a HUD-Certified Housing and Credit Counselor

A Tri-Merge Credit Report Review across all three reporting agencies

A Personalized Budget and Spending Plan covering income, expenses, assets, and debt

A Client Action Plan with concrete next steps tailored to your situation

Ongoing counselor support as your financial picture evolves.

Already found your footing with myWaypoint?

Help someone else find theirs. Refer a peer, or share your story to inspire the next person starting out.

Bankruptcy support

If you are considering bankruptcy, or a court requires counseling before you file, myWaypoint is here. As a nonprofit approved by the U.S. Department of Justice, we provide the certified sessions the process requires, and we help you look honestly at every alternative first, with no judgment and no pressure. Many people leave a session realizing they have paths they had not considered. Others move forward with bankruptcy feeling informed and clear about what comes next.

How we help with bankruptcy:

Pre-filing credit counseling:

The certified session required before filing, plus a clear look at whether bankruptcy is your best option.

Pre-discharge debtor education:

The required course that helps you rebuild with confidence after filing.

Options review:

An honest, side-by-side look at bankruptcy and the alternatives, so you can decide what is right for you.

Frequently asked questions

Can you help me figure out my student loans?

Yes. Our counselors help you compare repayment, consolidation, and forgiveness options and choose a manageable path forward.

I want to start saving but never seem to get ahead. Can Vista help?

Absolutely. We build a realistic savings plan with you, and through the Economic Stability Program you may qualify for a match of up to $500 on your emergency fund.

Is it too early to think about retirement?

It is never too early. Vista helps you set long-term goals and take steady, manageable steps toward them, wherever you are starting.

Can you help me build credit if I have never had any?

Absolutely. Our counselors help clients build credit from scratch and understand every step.

What is the matched savings incentive?

Through the Economic Stability Program, participants who reach savings milestones can receive a match of up to $500 to jump-start their emergency fund.