- Get Your Certificate Today -
As part of your bankruptcy case, you have two educational requirements: (1) credit counseling, and (2) debtor education. Credit counseling is done before you file for bankruptcy. Debtor education is done after you file for bankruptcy.
Sage Personal Finance provides a cheap and easy-to-use course that will satisfy your debtor education requirement (i.e., the course you take after you file for bankruptcy).
- Get your certificate immediately following the course--you can even print it out at home!
- We are USDOJ-approved*
- The course is completed entirely on-line
- Cost: individual - $35; married couple - $35
- You can save your progress and return later
*Approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider's services.




"I researched many websites and found this the most user friendly and informative."
-Marcia, New Hampshire
"I felt comfortable taking the course even though I am not very comfortable using computers."
-Daina, Delaware
"It was easy to use rather than sitting on a phone."
-Glenn, Virginia
"Easy to navigate and begin course immediately upon enrollment with no wait time."
-Lori, Washington
"It was convenient and fairly priced, and customer service was great."
  -Andrea, Missouri
"It was easy to use and provided clear, concise plans for future spending."
-Patrick, New Jersey