You Don't Have to Stay Trapped
If you're working harder but going backwards financially, you're not alone. We've helped hundreds of families in Columbia break free from payday loans and overwhelming debt - and we can help you too.
33 Active
Mentors
Our mentors come from a diverse background, skilled in care & finance.
250+ Families Helped
Since 2019, we’ve been impacting the lives of Columbia families.
48 Getting Real Help
Join a growing group pursuing freedom.
$250 Average Reduction
We help you reduce bills to free up cash.
The Longer You Wait, The Harder It Gets
Every month you stay in this cycle:
Your debt grows while your hope shrinks
Your stress affects your family, your health, your sleep
Predatory lenders keep profiting while you keep struggling
The gap between where you are and where you need to be gets wider
But here's the truth: You can't change the past choices that got you here. What you CAN change is what happens next. Most people in debt aren't trapped by bad luck - they're trapped by habits nobody ever taught them to break. The good news? Those habits can be learned. You just need someone willing to teach you and hold you accountable while you do the hard work.
A Real Path To Freedom
A Solution to Predatory Lending
These families aren't looking for a handout - they're looking for someone who cares enough to teach them how to escape a system designed to keep the most vulnerable trapped. They need a mentor who's been there, who understands the struggle, and who's willing to walk beside them while they do the hard work of changing their financial future.
Financial Mentorship
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Debt Consolidation
A move from $800/mo in debt payments to $160/mo can be life changing. That's what we're here to do -- change lives!
Any time Call Us
931-548-6797
Our Mentors Make the Difference
This is both a quick fix and a long term solution. Get paired with a mentor and the improvements to your financial life begin within days, not weeks. What matters is YOU. Are you ready to break the cycle?
Hudson Smith
Courtney Farrell
Jon Cunnington
Get started with a call today
Breaking Free Happens One Step at a Time
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Step 1: Make the Decision
Everyone needs help at some point in their life. The hardest part is admitting you need it and taking that first step. You're here, which means you're already halfway there.
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Step 2: Reach Out to Nick
Contact our Executive Director, Nick Key, at (615) 476-6373 or email him [HERE]. He'll answer your questions and help you figure out if this program is right for you. No pressure, no judgment - just honest conversation.
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Step 3: Free Introduction
Join us for a no-obligation intro meeting. We'll explain how everything works, answer your questions, and you'll get a free meal. Plus, childcare is provided - because we know that's often what keeps people from getting help. (P.S. All our Thursday night mentor meetings include childcare and dinner.)
Ready to Start?
or call
Free child care and meal provided!
Debt Consolidation Companies vs. Pay Grace Forward - The Real Difference
Most debt consolidation companies charge fees, interest rates between 9-17%, and still profit from keeping you in debt longer. Some claim to be "free" but make money on the back end through lender kickbacks. We're completely free - zero dollars, zero hidden fees, zero financial incentive to do anything except help you succeed. You'll never pay us a dime, and our mentors are volunteers who want one thing: your freedom.
Mentorship That Actually Changes Behavior
Other programs might consolidate your loans, but they don't address why you got into debt in the first place. That's like putting a Band-Aid on a broken arm. Some people try going it alone with budgeting apps or cheap online courses, then end up right back where they started because there's no accountability. We pair debt solutions with real lifestyle support - free financial mentors who meet with you weekly for at least 12 weeks. You're learning how money actually works while you're getting out of debt, not just shuffling numbers around.
No Contracts, Just Commitment
Big financial companies lock you into long-term payment plans with penalties if you want out. We don't do contracts because we're not selling you anything. Our program asks for your commitment - show up, be honest, do the work - but there's no fine print, no legal obligations, no trapped feeling. You can walk away anytime. We stay because we care about seeing you break free, not because we've got you locked into paperwork.
Same Mentor = Real Relationship
Call centers pass you around to different representatives who barely know your name, let alone your story. Financial advisors at big firms rotate clients like it's a numbers game. With Pay Grace Forward, you get matched with one mentor who walks beside you the entire journey. They learn your kids' names, understand your struggles, celebrate your wins. You're not a file number - you're a person they genuinely want to see succeed. That relationship makes all the difference when things get tough.
The Pay Grace Forward Difference
Payday Loan Relief Columbia
Payday Loan Help and Financial Assistance Near Me
If you're trapped in the cycle of payday loans in Columbia and Maury County, there's a way out. Pay Grace Forward provides payday loan relief with compassion and practical solutions that address the root of your financial struggles. We know how overwhelming high-interest payday loans can be, and we're here to help you break free from predatory lending and find lasting financial freedom through faith-based guidance and proven strategies.
Business Address:
101 Unity Lane, Columbia TN 38401
Phone Number: 931-548-6797
Business Hours:
Monday – Friday: Monday-Friday: 9am-5pm
Saturday:
Sunday:
Payday Loan Relief Columbia
Payday Loan Help Maury County
Payday Loan Assistance Columbia TN
Payday Loan Relief Near Me
Predatory Lending Help Columbia
Some other important pages: Other areas we serve near Columbia, TN:Spring Hill, Hampshire, Maury County, Mount Pleasant, Culleoka
They win when you stay silent, reach out.
Pay Grace Forward is a Christian nonprofit ministry, about six years in the making. Our purpose is to provide a viable alternative to predatory lending in Maury County. The ministry combines financial counseling and mentoring with low-interest loans from local banks. Our goal is to help clients escape the “debt trap” of payday lenders, reestablish credit and develop a banking relationship with a traditional lender.
