The Mission
Empowering
Human
Potential.
Modern Debt Help exists to dismantle the barriers to financial wellness. We believe financial health is a fundamental right, and we use behavioral science and radical empathy to make it a reality.
For People
Radical transparency and empathetic coaching that treats the human, not just the balance sheet.
For Partners
Collaborating with financial institutions to scale wellness and build a more resilient economic system.
For Progress
Pioneering new models of debt resolution that prioritize long-term stability over short-term gains.
The Brain Trust.
A diverse collective of technologists, economists, and empathy-first strategists.
Kristen Holt
President & CEO
Kristen inspires a national team of innovators to place people at the center of every financial decision. A CPA with an MBA from Michigan, she champions human-centered design in fintech.
Mick Shinkonis
Chief Financial Officer
A Navy Veteran and CFA® charter holder with 20+ years of dedication to financial empowerment. Mick ensures our economic foundation remains as strong as our mission.
Sireesha Mandava
Chief Information Officer
Sireesha leads our technology and innovation initiatives, bridging the gap between global IT solutions and grassroots financial wellness tools.
Susan Murphy
Chief People Officer
Fostering an inclusive culture where empathy isn't just a buzzword—it's the operating system. Susan ensures our internal team is as healthy as our clients.
Rick Bialobrzeski
Chief Business Development Officer
Leading our marketing and education teams with a focus on win-win-win collaborations. Rick maximizes our reach to change millions of lives.
Join the
Revolution.
View Open Roles Our Strategic Affiliations
Ready to Start Your
New Story?
The journey to financial health is personal. Our team is ready to walk with you every step of the way. 100% pressure-free.