If you’re feeling stressed because of your financial situation, now is a good time to have a conversation with our partner, GreenPath Financial Wellness.
Whether you’re behind on your bills or you’re just barely making it through the month, GreenPath can help you explore options to get out of debt, increase savings, and take control of your financial future.
As a member of Central Credit Union, you’ll have access to one-on-one financial counseling, debt management services, and financial education tools.
10 Warning Signs That You Have Too Much Debt
- You have no savings.
- You only make the minimum payment on your credit cards each month.
- You continue to make more purchases on your credit card while trying to pay it off.
- You have at least one credit card that is near, at, or over the credit limit.
- You are occasionally late in making payments on bills, credit cards, or other expenses.
- You don’t know how much total debt you have.
- You use cash advances from your credit cards or use a payday lender to pay bills.
- You overdraw your checking account.
- You’ve been denied credit.
- You don’t tell the truth to friends and family about your spending and debt.
GreenPath Financial Wellness Services
Free Budget and Credit Review
A free budget and credit review are the first places to start. It’s easy to schedule a time that is convenient for you. You’ll be speaking with certified experts who understand that financial hardships happen to good people. They’ll help you develop a personalized action plan, including ideas to lower your expenses and increase your income.
Credit Report Review
Your credit score can mean the difference between being denied or approved for credit and a low or high-interest rate. A good score can help you qualify for an apartment rental, get lower insurance rates, and even help you get utilities connected without a security deposit.
The representatives at GreenPath will help you understand your credit report and how to manage your score now and in the future.
Debt Management Plans
Do you feel like there’s no way out of your credit card debt? A Debt Management Plan can help most people get out of debt in 3-5 years. GreenPath can help determine if a Debt Management plan is right for you.
It’s a tough decision. Greenpath can help you decide the best options and gain some stability.
GreenPath provides expert housing advice for our members who are preparing to purchase a home, struggling with delinquency, considering a reverse mortgage, or a home equity loan to finance a purchase or pay down debt.
Student Loan Counseling
Don’t let student loans hold you back. Greenpath can guide you through your student loan repayment options, empower you to make an informed decision on which is best for you, and even contact your loan servicers.
Get Started Today
Financial wellness is just a phone call away. Make the call — 877-337-3399
All Financial Wellness Services are provided by GreenPath Financial Wellness. Greenpath Financial Wellness is a 3rd party business partner of Central Credit Union. Some services may have a fee. Inquire with Greenpath Financial Wellness.