PowerPay in Practice: Proven Strategies for Debt Elimination

This training equips professionals with the knowledge and tools to help others reduce or eliminate debt using PowerPay—a free, nationally recognized, research-based tool developed over 30 years ago by Utah State University Extension. Participants will explore key debt concepts, learn how to integrate the PowerPay platform into financial education and client sessions, and apply strategies to support lasting financial behavior change. Through hands-on practice, real-life case examples, and peer discussion, attendees will leave ready to support individuals and families in building stronger financial foundations and achieving debt freedom.

The training is led by accredited financial counselors, certified HUD housing counselors and university faculty with expertise in financial education and behavioral change.

Key Objectives:

Foundations of Debt:Develop a clear understanding of what debt is—and what it isn’t—while exploring the consequences of debt and best practices for effective debt reduction.

Introduction to PowerPay:Gain insight into the history and purpose of PowerPay, a free, research-based tool designed to eliminate debt with customizable payoff methods. Hear real-world testimonials that highlight its impact in personal and professional settings.

Hands-On Skill Building:Learn how to navigate PowerPay and apply it to realistic debt scenarios. Practice calculating the impact of extra payments, emergency savings contributions, and debt consolidation options.

Real-World Application:Apply your knowledge through an interactive case study, building a customized debt repayment strategy using PowerPay’s tools and features.

Build Trainer Confidence:Explore practical strategies to enhance your ability to teach and support clients in making debt elimination plans work, including budgeting, increasing income, reducing expenses, and promoting long-term financial behavior change.

Who Should Attend:

• Financial educators, counselors, and housing counselors

• Community leaders

• Advocates for financial literacy

• Anyone passionate about empowering others financially

Date & Time: Wednesday September 17, 2025, 9:30 am - 2:00 pm

Location: Utah State University Salt Lake Center, room 156, 920 W. Levoy Dr. Taylorsville, UT

Don’t miss this opportunity to gain practical strategies for using these tools effectively and confidently in your work. This training will prepare you to support individuals on their path to financial stability—and empower you to create meaningful, lasting impact in your community.

LUNCH WILL BE PROVIDED

Note: Limited seats available. Register now to secure your spot!

Host or Publisher Empowering Financial Wellness- USU Extension