How to Save Money Money Sharp grants fee reductions to individuals demonstrating a current household income less than 150 percent of the poverty guidelines in effect, as published by the U.S. Department of Health and Human Services (DHHS), for a household or family of their size. Fee reductions are determined using the client's household finances. Fee reductions are automatically determined during credit counseling and there is no separate application. Clients with a household income below the poverty guidelines qualify for a full fee waiver. To use the fee waiver fax this form to: 1-866-201-2215 or email to: helpdesk@moneysharp.org attention: Fee Waiver Request Dept. Click here to download Income Fee Waiver Request Form (To save the file to your local PC right click on the above link and click 'Save Target As ...') MoneySharp will also waive the bankruptcy pre-filing counseling/ debtor education fee for debtors who are veterans, active or inactive servicemen and women of the United States selective services. Please call our office to receive this special waiver. Click here to download Military Fee Waiver Request Form (To save the file to your local PC right click on the above link and click 'Save Target As ...') Contact for additional information or to apply for services: 1-866-200-6825