How We Help
Support that fits how your mind works.
Everything we offer is free and virtual. You can take part from home, at your own pace, with real people ready to help.
Coaching
One-on-one help to map your bills, set up reminders and autopay that fit you, and get back on track if you have fallen behind.
Free and virtual
What to expect
- A calm first conversation about what is going on.
- A simple picture of your bills and due dates.
- Reminders and autopay set up the way you want them.
- A plan to catch up if you are behind, at a pace that works for you.
Caregiver Support
Guidance and peer support if you manage money for a family member, so you feel less alone and more prepared.
Free and virtual
What to expect
- Help understanding the bills you are managing.
- Tools and routines to keep things from slipping.
- Connection with other caregivers who understand.
- A trained person to turn to when things get complicated.
Education
Plain-language guides and short classes on bills, credit, late fees, and hardship programs, with no jargon.
Free and virtual
What to expect
- Short, clear lessons you can take at your own pace.
- Guides written in plain language.
- Practical steps you can use right away.
- Answers to common worries about money and credit.
How it is delivered
We use friendly technology, including AI-assisted tools, always with real people supervising and ready to step in.
Helpful tools
Simple, friendly technology helps with reminders, organizing, and answering everyday questions.
Real people in charge
Complex or urgent situations are always handled by a trained person. You are never left to a machine alone.
Guided BillEBox self-signup
DivergentCents is preparing qualified trainers to guide clients through BillEBox's ordinary self-signup. The client creates the account, makes every choice, accepts any terms, and stays in control.
Coaches do not create accounts, accept terms, receive credentials, or gain BillEBox access. No DivergentCents intake or program data is sent to BillEBox. DivergentCents owns BillEBox and its intellectual property, but every client account remains solely under that client's control. Guided sessions will open only after separate program approval.