BALANCE Financial Fitness Your Path to Financial Fitness Starts Here

With so many financial obligations and options, it’s easy to understand that money management can be overwhelming. That’s why Qualstar has partnered with BALANCE to offer members a financial “fitness” program. Through this partnership, you have access to FREE and low-cost financial counseling services.

BALANCE InfoLine: 1-888-456-2227

Financial information and assistance is available,
Monday through Thursday, 5:00am to 8:00pm (PST)
Friday 5:00am to 5:00pm (PST)
Saturdays 8:00am to 5:00pm (PST)

A man and woman examine a financial statement together

Certified Financial Counseling

Certified financial counselors help you develop both short and long term financial strategies to overcome challenges and meet your goals.

BALANCE Financial Counseling
A woman examines her credit card statements over a cup of coffee

Debt Management Plan

Consolidate your credit card payments, lower payment amounts, and even reduce or eliminate interest and fees.

BALANCE Debt Management
A couple does some shopping with their credit card

Credit Report Review

BALANCE counselor will review your credit report with you, making sure you know your rights. They can even provide a low-cost credit report copy for you.

In the event you need to dispute an item on your credit report, please refer to our Credit Report Dispute Instructions.

BALANCE Credit Report Review

Set and Attain Your Financial Goals

Ten Steps to Financial Success

Identify your financial goals and the steps necessary to accomplish them. You will learn how to be specific in your goal amounts and timeframe, and to use the power of time to maximize your savings power.

See for yourself

Budgeting Made Easy

Establish a self-guided budget – save for specific goals, and track where your money is going.


Guides to personal finance

Review the education modules on topics such as Money Management, Credit Reports, Checking Account Management, Homeownership and more. Then, test your knowledge by taking the corresponding quiz to see just how much you learned – and how much you need to learn!

Read the guides

Identity Theft

Identity Theft Solutions will help you prevent identity theft – or take the necessary steps to recover if you’ve been victimized. These tools are free to you as a benefit of membership at Qualstar.

See Identity Theft Solutions

Rebuilding After a Financial Crisis

Wildfires, hurricanes, floods, and tornadoes have devastated people around the country. BALANCE has an online Natural Disaster Financial Toolkit to help members overcome the difficult financial challenges that can arise as a result of a disaster as well as be prepared for future catastrophes.

See our rebuilding tools

Get started

Take your first steps toward achieving BALANCE. Visit our BALANCE website or call 1-888-456-2227. 

Visit our BALANCE site