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The Quantitative Fair Value Estimate is calculated daily. Whether you’re interested in developing a workable spending and savings plan, getting out of debt, understanding and improving your credit report, buying a home, or planning for your financial future, your credit union or employee assistance program wants to help. By partnering with organizations that assist us in promoting our services to millions of Americans, we develop and implement financial solutions to empower individuals and families to avoid bankruptcy, make informed spending choices, increase savings, and reach goals of home ownership, running a business, funding college education, retirement and more. For clients participating in a debt and money management counseling session, you can download the client worksheet, Personal Financial Assessment. Learning about money is as important as earning it. Just about everyone could learn more about how to manage income, handle a budget, and read a credit report.