NIFE academic seal
NIFENational Institute of
Financial Education

A little clarity.
A better way
forward.

Make money work for you. Free education and practical tools to help you borrow smart, repay smart, and feel more confident about what’s next.

Use free calculatorsGet free debt guidance
A couple looking toward their home
Your home. Your money.
Your next chapter.Understand your options.
Choose with confidence.
501(c)(3) nonprofit educationFree tools for real-life decisionsHuman guidance from CLA™ professionals

Start where you are.

One decision at a time.
Choose the support that fits your life today.

Make your next
home decision clearer.

Buying, refinancing, or making the most of your home? Understand your payments, compare options, and see the long-term cost.

Explore homeowner calculators

*Continue to LendsightAI.com, a for-profit partner providing free education, access to calculators and educational support.

Buying a homeRefinancingRent vs. own

Give your debt
a way forward.

Understand what you owe, explore repayment strategies, and take the next step toward a life with less debt.

Get free debt guidance

*Continue to DebtDoneDate.com, a for-profit partner providing free education, access to debt repayment tools, and providing free and paid educational support.

Learn to repay smartBuild cash-flow confidence

The National Institute
of Financial Education.

NIFE academic seal

Unbiased consumer education.
A clearer financial future.

We’re here to give you something powerful: clarity.

A 501(c)(3) nonprofit dedicated to unbiased consumer education about the financial benefits and liabilities of owning a house.

Our faculty members donate their time to help you make a better-educated decision based on your unique situation.

Get to know NIFE

A trained advisor.
A human conversation.

The Certified Liability Advisor™ designation

A Certified Liability Advisor™ has completed unique training, including a 7-Step Process to help you make the key decisions to Borrow Smart Repay Smart™.

Consider yourProduct
Understand yourPayment
Explore yourAvailability
Choose yourAmount

Balance risk and interest expenses over time, protect your house investment, and review your plan as life changes.

Find a CLA™About the designation

Make money
work for you.

NIFE Partnership

You likely have money hidden in plain sight. We’ll help you find it. What you do with it—spend, save, or invest—is your call.

Launch liability planning

Connect with a real person.

A Certified Liability Advisor™ willing to volunteer their time to you.

See your financial picture.

An Insights Report maps your current liabilities and opportunities.

Take your next step.

Practical guidance toward the decisions that matter in your financial life.

Knowledge you can use.

Explore all education

Cash and Liability Mastery

Understand money, cash flow, borrowing, and investing in ten short videos.

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Borrow Smart

Look beyond the price of a house to the lifetime cost of owning it.

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Repay Smart

Explore ways to repay debt and stay on track with your goals.

Explore the course

What Is Enough?

Explore the relationship between money, time, and a fulfilling life.

Explore the course

Strategies

Learn how to manage liabilities and real estate as part of your financial picture.

Explore the course

Missing Money

Find the starting points for your unclaimed money search.

Explore the course
Free calculatorsFree debt guidance