My name is Mila L Gularte, and I've taken the Credit Counseling Course & the Financial Mgmt Course with your company and I must say the courses were very informational.  It gave information on the do and don'ts of using and managing your money  along with how and why  you've over spending and can't make ends meet.

 It also gave information on setting up a weekly, monthly, etc  budget on how to get a handle on managing your responsibilities without being overwhelmed by not having enough money to not only pay your bills but also to save a little for a rainy day (emergency fund).

 I'm grateful for the information that I've gained from your courses and I continue to use it's recommendations for my new beginning on how set-up a budget and stick to it along with managing my financials.

 Thank you for allowing me to gain such useful information thru your program.  May God continue to  Bless  your company to educate the people on a daily basis. 
Mila

This is my testimony. First of all Thank you for your help. People don't realize the pace of an honest income. It's very difficult to understand money and without education we are almost hopeless. This process has given me an enormous wealth of which I hope to return to others sometime. Aloha from Hawaii and thanks for all your help. 
My name is Jason M.    All thanks to my lord. Aloha ke' akua

When my lawyer first told me that I had to take a credit counseling course online I was a little disappointed because I thought it was going to take a long time and I thought I was balancing my budget okay and my financial problems where all just because of my paycut. When I started the course however and started to use all the calculation tools throughout the course I realized how badly i have been managing my money. The course really helped me figure out how balance my budget much wiser. Thank you so much.  
Roseanna Anderson 

A few years ago my husband and I found ourselves in a very bad financial situation. No matter what we did we could not get ahead, or even keep up with the growing debt. There were many reasons for our situation, some were out of our control but a lot of it was because we made bad financial decisions. To make things even worse, I eventually was laid off from my job. Our only solution at that point was to file bankruptcy. Part of the bankruptcy process was to take an online counseling course through 1^st Choice Credit Counseling and Financial Education (www.mybknow.com). To be honest, I wasn't real excited about it at first. But, despite my initial feelings about the counseling, I have referenced the materials I printed from the course several times in the past year. One thing that really stuck with me was the portion of the course that talked about deciding whether you really need to buy something or just want to buy something, and the part about making a budget - very obvious advice, but really something that never crossed my mind before. The results: we have been debt free for over a year now – the first time in our adult lives, and it feels great.  
Kimberly