Budgeting and Debt

A budget plan is one of the best tools for financial empowerment. Learn how income, expenses, and debt all affect a successful budget and gain tools to help you create a realistic budget. Additionally, everyone has a different solution for managing debt. This class will discuss the array of options for managing your debt.

Classes are free of charge unless otherwise noted.

Pre-registration is required for all classes. Register online or call 828-255-5166 today.


As a Budgeting & Debt Class participant, you are eligible for free debt counseling or financial counseling after completing your class.  A Client Service Representative will call after receiving your registration to offer you a free appointment.


These questions are part of a project we are doing and answering these questions helps us get funding to provide our services for free.

Please answer questions 1-6 below before registering for the class. We appreciate your input!

1. Not including major purchases like a home or car, has the size of your debt changed over the past year?
2. How often do you need to use credit or loans to get through the month?
3. Which of the following debts do you hold? Please select all that apply.
4. Which of your debts are you concerned about? Select all that apply. Though all options show up, please only choose from the debts you have indicated having.
5. If you have a credit card, which best describes how you make credit card payments?
6. How often are your debt payments late?

Choose the best date and time for your schedule.
Class Dates and Times (Choose only one class.)
Class Registration Information
First Name
Last Name
Country
Address Line 1
City
State
Postal Code
Have you worked with OnTrack WNC before?
Would you like to receive text messages as reminders for class?
  • Anna Booraem
    Anna Booraem
  • Shanae Johnson
    Shanae Johnson
  • Wayne & Jodi Mott
    Wayne & Jodi Mott
  • William Raynor
    William Raynor
  • Lucia Daugherty
    Lucia Daugherty
  • Julie Perley
    Julie Perley
  • Bailey Gartman
    Bailey Gartman
  • Diana Honeycut
    Diana Honeycut
  • Lisa Gaskin
    Lisa Gaskin
  • Carmen Govea
    Carmen Govea
  • Kelly Jackson
    Kelly Jackson
  • Jordan Barlow
    Jordan Barlow
  • Susan Mosley
    Susan Mosley
  • Jessica Turner and Robert Forbes
    Jessica Turner and Robert Forbes
  • Amber Williams
    Amber Williams
  • Emily and Jordan Stanley
    Emily and Jordan Stanley
  • Marie Collins
    Marie Collins
  • Brittany Ferguson
    Brittany Ferguson
  • Latoya Gardner
    Latoya Gardner