Bayport partners with government departments to help build financially resilient public servants by reducing employee indebtedness, improving take-home pay, and providing ongoing financial education. Through our My Fresh Start solution, we’ve helped thousands of civil servants reduce absenteeism, boost workplace morale, and regain financial control. With <b>debt consolidation</b>, free financial education, and access to a personal money coach, employees can chart a structured path to lasting <b>financial wellness</b>. As a trusted partner to both public and private employers, Bayport charges no upfront fees. The results speak for themselves: 11,039 civil servants supported, an average 78.7% reduction in monthly debt instalments, an average R11,223 increase in disposable income, and improved credit scores that make home and vehicle ownership a reality.