5 Ways to Get Free or Low-Cost Financial Advice If You're Struggling

Seek a pro bono financial adviser through organizations like XY Planning Network, Financial Planning Association, Foundation for Financial Planning, or CFP Board.

Consider working with a non-profit credit counselor to help create a budget and get out of debt.

Take advantage of federal, state and local resources with help from a social worker.

Get a free initial consultation with a fee-only financial planner to discuss budgeting, Social Security, pensions.

Check if your employer offers financial planning benefits.