Have life changing impact to a family, single mother, or struggling father. Just a few hours each week can have generational impact.

Our mentors come from a diverse background, skilled in care & finance.

Since 2019, we’ve been impacting the lives of Columbia families.

Join a growing group pursuing freedom.

We help you reduce bills to free up cash.
Every month families stay trapped in this cycle:
Another family chooses between utilities and food
Another single mom works overtime but still can't make ends meet
Predatory lenders collect another round of 279-500% interest
Another generation learns the same broken money habits
But here's the truth: These families aren't looking for a handout - they're looking for someone who cares enough to teach them what they were never taught. Most people trapped in debt don't need judgment. 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. That mentor could be you.

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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
How We'll Support You Every Step of the Way
Give our Executive Director, Nick Key, a call at 931-548-6797 or complete the form at the top of this page. Nick will walk you through what mentoring looks like and answer any questions you have about the time commitment and process.
Nick carefully matches mentors with mentees based on personalities and circumstances. You'll also be teamed up with a seasoned mentor who's been through the process before, so you'll always have someone to turn to for advice and encouragement.
Over time, you'll see the families your paired with gain confidence, make real progress, and develop habits that will serve them for years to come. And chances are, you'll build a friendship that lasts well beyond the mentoring relationship.
or call
Being a mentor has been one of the most meaningful experiences of my life.
I’ve watched clients go from struggling to make it to the next paycheck to, a year later, living on a steady budget, paying down debt, and even building savings.
Seeing that kind of transformation, step by step, choice by choice! This reminds me why I do this work.
One of my favorite families was a couple with two small children who desperately wanted the mom to stay home with them. Their budget had absolutely no wiggle room, but they were determined. Together, we searched for two and three dollars at a time in every category to cut back so they could not only make their budget work, but also continue tithing at church, something that mattered deeply to them.
I’ll never forget the moment the husband decided that he could eat a $1 can of sardines for lunch if it meant saving nine dollars every day to put toward a bill. That kind of dedication, those small sacrifices made for a bigger future! It showed me the power of commitment and hope.
Being a mentor has shown me that financial freedom isn’t just about numbers. It’s about courage, discipline, and the belief that life can look different. I simply get the honor of walking alongside people while they discover that for themselves."
Are you looking for a meaningful way to give back in Columbia and Maury County? Become a mentor with Pay Grace Forward and help families overcome financial struggles through compassionate guidance and support. As a volunteer mentor, you'll walk alongside individuals facing debt and financial hardship, offering encouragement, accountability, and biblical wisdom. Your experience and heart for service can transform lives right here in our community.
Business Address:
Monday – Friday: Monday-Friday: 9am-5pm
Saturday:
Sunday:
Spring Hill, Hampshire, Maury County, Mount Pleasant, Culleoka

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.