Free Financial Counseling for New Jersey Residents Impacted by Gambling

Free, confidential financial counseling is available to New Jersey residents experiencing financial harm due to gambling. Get help managing debt, rebuilding your finances, and regaining control.

Schedule your intake session

Cape May, NJ

GamFin offers free, confidential financial counseling to New Jersey residents, funded by the New Jersey Division of Gaming Enforcement.

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If you're experiencing financial challenges due to gambling, you're not alone—and you don’t have to navigate it alone. Our certified financial counselors can help you:

Manage debt and prioritize expenses
Understand your financial options
Rebuild your credit and your confidence
Build a realistic budget

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Get started by selecting a financial counselor

Each of our counselors brings expertise in budgeting, debt-management, credit improvement, and money systems for individuals and families impacted by gambling.

Clint Prom

CFP®

Alexis Kilgore

Michael Spear

CFP®

Kayleen Salchenberg

AFC® M.Ed.

Lynn McHann

AFC®, CFEI®

Kristen Haflett

Andrea Person

Oscar Jose Palma

AFC®

Martha Menard

AFC® candidate, Ph.D.

Stephanie Higgins

ChFC®, AFC®, MQFP®

Sara Croymans

AFC®, M.Ed.

Nan Franks

AFC® candidate, LPCC, LICDC-CS, GAMB

Jessica Parks Limbrick

AFC®, Ph.D.

Janice Pierce

CFP®, RICP®, CRPC

Axton Betz-Hamilton

AFC®, Ph.D.

Ambus Hunter IV

AFC®

Select your financial counselor

How it works

Pick a counselor

Choose from our staff of certified and accredited financial counselors.

Choose a time

Schedule a 50-minute time slot when it's most convenient for you.

Book a session

Visit our booking page to schedule a financial counseling session.

Begin your recovery

Take your first steps toward financial stability.
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About GamFin

GamFin is a leading provider of financial counseling services focused on gambling-related financial problems.

We provide financial counseling, education, and support to individuals, families, and others impacted by someone's gambling.

Learn more

Free resources

800-GAMBLER

The Council on Compulsive Gambling of New Jersey focuses on educating the general public, training professionals throughout the State, referring problem and disordered gamblers and their families to treatment

Division of Gaming Enforcement

A law enforcement agency and the investigative arm of the casino regulatory system responsible for enforcing the Casino Control Act.

Responsible Gaming in NJ

Responsible gaming refers to a set of policies and practices that aim to promote safe and enjoyable gambling experiences while minimizing the risk of harm to individuals and society as a whole.

Start your financial recovery today

Let us help you gain clarity, find a path forward, and help restore hope.

Book an appointment

Testimonials

What others say about us!

"... an incredible enhancement to our gambling counseling program. The financial counselors are skillful and compassionate, and once our clients begin working with the counselors, our clients regain a sense of hope to address the long-term financial impact of their gambling."

Elizabeth Thielen

LPC, PCGC

Nicasa Behavioral Health Services

"I really like my financial counselor, Yvonne. I shared my financial background with her, and there was no judgement from her. She made me feel very comfortable and offered good suggestions. She seemed like she really cared. She even gave me advice on how to cut back my spending at restaurants and offered ideas on cheaper, healthier alternatives. I felt like she saw me as a whole person instead of just focusing on my finances."

George C

Getting financial counseling through GamFin can be a turning point in recovery. Struggling with debt caused by gambling can feel overwhelming and isolating, but GamFin’s financial counselors truly understand what someone is going through. They provide practical guidance without judgment or shame, helping people create a realistic plan to rebuild their finances and regain control of their lives after gambling. Their empathy and expertise truly make all the difference.

Christina Cook

Founder & podcast host, Broke Girl Society

GamFin helped me understand the steps I needed to take to fix tax issues when I didn’t know where to turn. The thought of dealing with overdue taxes felt overwhelming, but my counselor approached everything with understanding and without an ounce of shame. She guided me through the process step by step, making it manageable and helping me regain control. Thanks to her support and understanding, I’m back on track and finally feel a sense of relief and confidence moving forward.

Christina C

"I work with a GamFin counselor. I absolutely love him! He just got approval to continue counseling me. I use the Money Tracker he created for me once a week. I've always had a debt spreadsheet where I tracked my debt but I never tracked my spending. Nor have I ever had a budget. This Money Tracker captures everything. I look forward to our next meeting on Friday."

Hannah L

“GamFin’s financial counseling services have done wonders for our clients. Financial pressures can increase anxiety and fears for individuals in treatment for problem gambling. Working in partnership with GamFin, we can alleviate that financial stress, giving our clients hope and the relief they need to focus on getting better rather than feeling overwhelmed by debt."

Jody Bechtold

LCSW, ICGC, IGDC, PC

The Better Institute

“... an absolute miracle. As a problem gambling counselor, this is the service we've needed to give clients hope. When it comes to gambling addiction, the topic of money must be discussed. Our clients who have used this service come away with a realistic plan to pay off debts and rebuild financial health and still be able to live their lives.”

Denise Bergner

BA, CADC, PCGC

Way Back Inn

"... an invaluable asset in working with individuals and families touched by problem gambling. The feedback from them has been overwhelmingly positive and shows in their response to treatment. And as an added benefit I receive support and training from experts in the field of finances. Something I was never fully comfortable dealing with but is vital in the work we do."

Jennifer Macioce

LCSW, ICGC-1

Milestone Centers

Dr. Hampton's empathy, intelligence, and firmness were invaluable.

Emily N

"I have had 3 sessions with Janice from GamFin and their service is so wonderful and has truly helped my anxiety so much, which is my biggest trigger. I look at my finances, get anxiety because I want to solve my issues now, and I gamble. She has really helped us break it down and curb our spending and helped me look at the broader picture."

Nick M

I liked the ease of making a plan. When my head is spinning because of the numbers, I am calmed by Janice’s expertise.

Hannah B

"I just want to say THANK YOU for this recommendation. My state wasn’t listed but they work with people here! (New Mexico) It’s been incredible to confront and tell someone out loud about finances, and receive support to create a realistic plan to tackle debts … and in an encouraging and nonjudgmental manner."

Emma N

The counselor was beyond helpful, not only with financial advice but gambling-related advice. She pointed me in the right direction for finding a counselor to speak with about my addiction and how to get my finances in order permanently.

Sam W

"I'm always worried about my son's gambling and financial problems, especially his credit score. GamFin has helped me understand that there is a way out of debt without getting scammed by loan consolidators and lenders. I feel 100% better now after talking with the financial counselor at GamFin. I'm confident they can help him make good decisions and give him some hope out of his financial mess."

Jackie T

There is still work to do, but my counselor is ready to guide me. I am so grateful for this service.

Max F

What I like about my GamFin counselor? Her compassion, understanding ... and I left feeling hopeful for a change.

Ben V

"I had my first appointment this morning. I had been looking for a resource to help with the financial situation I am in right now. This is exactly what I needed. Thank you for sharing."

Jake B

FAQs

How much does financial counseling cost?

Financial counseling is free to residents of New Jersey. In partnership with the New Jersey Division of Gaming Enforcement we offer financial counseling at no cost to individuals and families.

What does GamFin do?

GamFin provides free, confidential financial counseling for individuals and families affected by gambling-related financial issues through partnerships with state agencies.

Why should I get financial counseling?

Individuals impacted by gambling-related financial issues often feel they have nowhere to turn. The added financial pressure can exacerbate anxiety and stress, which can lead to more gambling. Financial counseling can help relieve that pressure—helping you gain clarity, find a path forward, and restore hope.

How is financial counseling different?

Unlike financial advisers who focus on growing wealth, financial counselors help you address immediate financial issues and provide essential support to regain control, including managing debt, creating a spending plan, and setting up guardrails.

Does GamFin operate nationwide?

Coverage varies by state. Visit your state’s program page to see if free financial counseling is available where you live.

What funding makes this possible?

GamFin’s services are funded through partnerships with state governments, problem gambling councils, and other agencies committed to helping people impacted by gambling.

Who qualifies for GamFin services?

GamFin serves individuals experiencing financial distress due to gambling. Providers can also refer clients and integrate GamFin counseling into treatment plans. Services are available in states where GamFin has active partnerships.

Who can access my information?

Your information is safe and secure. GamFin is HIPAA-compliant and will only share information with your written consent. During your intake, you’ll have the opportunity to review and sign privacy forms.

How can I book a counseling session?

Your first session will be with an intake specialist who will review your needs and match you with the right counselor.

What should I expect during the first session?

The first meeting is focused on fact-finding. Counselors will ask questions, listen, and assess your situation. You can expect to leave with a strategy that includes concrete steps for moving forward.

How many sessions can I get?

On average, most people benefit from 3–4 sessions. More may be available if family members are involved or if your situation requires ongoing support.

What formats of counseling are offered?

We provide both one-on-one virtual sessions and virtual group financial counseling sessions.

What is a group financial counseling session?

Group sessions are free and open to anyone in the U.S., even if you don’t live in a state we partner with. They’re a supportive space where you can bring questions, get answers, hear from peers, and learn together.

Do I have to participate in a group session?

No. Group sessions are completely voluntary. You’re welcome to just listen until you feel ready to participate.

What do I get when I work with GamFin?

You’ll meet with a professional financial counselor who understands gambling-related financial challenges. After several sessions, you’ll also receive a personalized GamFin Financial Recovery Plan™, which includes a budget and step-by-step strategies for moving forward.

What is a GamFin Financial Recovery Plan™?

It’s a personalized action plan created after your initial sessions. It outlines your budget, debt repayment strategies, and practical next steps for building financial stability.

Do you manage bankruptcy?

No. Bankruptcy can sometimes be an option, but only as a last resort. For most people struggling with gambling losses, the better path is to repay debt and build a healthier relationship with money. Our counselors will help you explore alternatives first.

Do you offer loans?

No. We do not provide loans or sell financial products. Our counselors don’t earn commissions and won’t try to sell you anything.

I’m not ready to book a session yet. What can I do?

That’s okay. You can always come back when you’re ready. In the meantime, explore resources like 800gambler.org to learn more about gambling harms and support options.