PAY GRACE FORWARD | MOUNT PLEASANT
Real Help to Break Free from Payday Loan Debt
A no cost solution to genuine long term freedom
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.
From $1600/mo to
$147 per month.
Together, we can work miracles for your budget and set a path to free you from financial bondage. PGF goes a step beyond debt consolidation and we pair you with a dedicated and trained financial advisor that works with you to free you from the debt cycle for good!
Nick Key
Executive Director
Nick Key
Executive Director
30+
Active Mentors ready to help
OUR SERVICES
What We Do
12 Week Program
Our proven 12-week financial mentorship program pairs you with two trained volunteer mentors who meet with you weekly.
Debt Consolidation
For those who complete the program and qualify, we offer faith-based debt consolidation that can drop your monthly payments without trading one predator for another.
Volunteer/Mentor
Join our team of trained financial mentors who give their time to help families escape debt. No financial background required - just a heart to serve and willingness to learn.
Prayer/Mentorship
Get matched with dedicated mentors who have zero financial incentive except your success. They'll walk alongside you and teach you the financial skills to stay free.
Our Board Of Directors
Don’t wait to get involved with Pay Grace Forward
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
They win when you stay silent, reach out.
Who We Are
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.
$589 Average reduction of expenses
200+ Families Mentored
12 Week Program
Communities Praying For Success
$0.00 Upfront costs
Local, In Person Mentorship
hear our story
Real Stories
“What seemed like a quick fix with a couple of payday loans turned into a nightmare. At first the money was a help, but then everything fell apart - I got divorced, lost my job & could not make the high-interest payments. Finally even my truck was repossessed. Totally depressed and with nowhere to turn, I heard about Pay Grace Forward. It was the first time I can recall that anyone offered me help. With their help and God's, I am rebuilding my life one step at a time, through the weekly guidance of my two mentors.”
Jonathan, Spring Hill, TN
“My life has been turned around, and I am on the path to making better decisions. Not only have I paid off all of my payday loan debt, but my husband and I are now working on consolidating the rest of our debt. Thank you, thank you, thank you to my mentors and Pay Grace Forward for helping us turn our finances and lives around. ”
Lacey, Columbia, TN
“Being a mentor for Pay Grace Forward has been one of the most rewarding things I've ever done. I can't explain how good it feels to help people whose lives are being slowly destroyed by payday loan and title loan companies. At first I didn't think I would be able to do it, but the advisors at Pay Grace Forward were always available to help with any challenges that came up. I would highly recommend anyone who has a servant's heart to be a part of this incredible ministry.”
Ricky, PGF Mentor
Our Experience
Why Pay Grace Forward Is Different
We exist to fight Predatory lending and setting families free from the cycle of debt through a combined budgeting, mentorship, debt consolidation and ministry focused plan
Our Core Promise
Our mission is to help victims of such debt get out of the exploitative trap of high-interest loan obligations, learn new strategies to take control of their money and financial responsibilities, and overcome their current financial situation.
Low Interest "Grace" Loans
After our client friend has gone through the financial mentoring process we can provide a low-interest loan through one of our bank partners to replace the high-interest loan debt!
Any time Call Us
931-548-6797
Our Mentors are our secret sauce! We would love for you to join our mentor team!
Pay Grace Forward Is kept free to those in need by your generous donations and volunteer mentors.
We’re Ready for Your
Your Freedom
Our company slogan reflects our dedication to offering reliable landscaping solutions.
Mailing Address
101 Unity Lane, Columbia TN 38401
STILL NOT SURE?
Frequently Asked Questions
What does Pay Grace Forward do?
We connect individuals and families trapped in payday or title loan cycles with trained financial mentors who walk alongside them to build a budget, pay off debt, and find lasting financial freedom.
How much does it cost to be part of the program?
It’s completely free. Our mentors volunteer their time because they care about helping others experience grace and hope through financial stability.
How long does the program last?
Most participants meet with their mentor for about 12 weeks, but the pace depends on your goals. Many continue meeting monthly afterward for ongoing accountability and encouragement.
Do I have to share all my personal financial information?
We value honesty and confidentiality. Sharing your full financial picture helps your mentor guide you effectively, but everything discussed stays private between you and your mentor.
Can I still join if I’m behind on bills or already in collections?
Absolutely. That’s exactly who we’re here for. We’ll help you prioritize expenses, communicate with creditors, and take one step at a time toward financial peace.
Payday Loan Relief Debt Consolidation Mount Pleasant
Payday Loan Help and Debt Consolidation Services Near Me
Struggling with payday loans and overwhelming debt in Mount Pleasant? Pay Grace Forward offers payday loan relief and debt consolidation solutions that bring real hope and financial freedom. We understand the stress of juggling multiple debts and high-interest payday loans, and we're here to help you consolidate your debts into a manageable plan. Through faith-based guidance and proven strategies, we'll walk with you toward lasting financial stability and peace of mind.
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 Mount Pleasant
Debt Consolidation Mount Pleasant
Payday Loan Help Mount Pleasant TN
Debt Relief Near Me
Debt Consolidation Services Mount Pleasant
Some other important pages: Other areas we serve near Mount Pleasant, TN:
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.
