On-Line Help

PLAN AHEAD! Happy Thanksgiving! Our credit counseling department and Help Desk will be on break from 8 PM MST (10 PM EST) on Wednesday, 11/23 through Saturday, 11/26. We'll resume regular hours on Sunday, 11/27.

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What Are Your Hours?
Our counselors are available 7 days a week, during the following hours:

M - Th: 8 AM - 11 PM MST
Friday: 8 AM - 6 PM MST
Sat: 8 AM - 12 PM MST
Sun: 10 AM - 5 PM MST


Our Help Desk colleagues answer chats, calls, and emails:

M - F: 6 AM - 6 PM MST
Sat: 8 AM - 12 PM MST
Sun: 8 AM - 2 PM MST


What time is it in Arizona? During Daylight Savings Time, MST is the same as Pacific, 3 hours behind Eastern, 2 hours behind Central, and 1 hour behind Mountain Daylight Time.