Serving Monroe, Owen, and Greene Counties

Credit and Debt Management

These resources and podcasts offer information on building credit and managing your debt, which will help you lead a financially stable life.
 

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American Student Assistance
American Student Assistance is a nonprofit offering neutral student loan solutions and resources. 

Annual Credit Report
This free and safe service allows you access to one credit report per year from three of the credit reporting agencies. 

Credit Card Repayment Calculator
This calculator from the Navy Federal Credit Union displays how long it will take you to pay off your credit card if you only make the minimum payments.

Credit Resource
Here, you'll find our new resource all about credit! What is it? Why does it matter? How do you build it? Get these answers and more in this one-page reference!

Credit Score Grader
How good is your credit? Learn ways to improve your credit score with this credit score grader from Debt.org.

Debt Management Resources
In this easy-to-use format, the Federal Trade Commission has a wide assortment of debt management resources, including a section dedicated to "Dealing with Debt."

Practical Money Skills for Life
Browse through relevant articles and tips covering credit and debt issues, such as credit history, credit cards, and overcoming debt.

Student Loan Borrower Assistance
This project is a part of the National Consumer Law Center to serve as a resource for borrowers, their families, and advocates. This site is for individuals who already have student loans and want to know more about their options and rights.

 

"Ins and Outs of Money" Podcasts
"Ins and Outs of Money" is a radio segment providing economic education to keep your budget balanced, and connecting you to community resources that help you keep your finances functioning.

Credit and Debt Basics
Ashley and Jason go to the root of credit cards and debit cards, reminding you what the difference and the benefits and dangers of both.

Credit Report
Understanding your credit report and score is an essential piece of financial stability. Learn how to access your credit report, what it means and how to address problems.

Getting Credit, Part 1
Getting Credit, Part 2

Ashley and Jason discuss the reasons behind establishing credit, how credit scores are determined, and why you want to take care of getting your credit established right away. They also explain about how to maintain good credit once it has been established. 

Payday and Refund Anticipation Loans
Ashley and Jason act out a common situation: Running out of money before all your bills are paid. Jason thinks he might go to a Payday Loan place for some temporary help, but Ashley clues him in to how Payday Loan places are really predatory lenders who charge up to 500% APR for temporary loans. Ashley and Jason both remind listeners about the importance of a financial plan and of local and national resources that can help make those plans a reality.

Planning for Your Tax Refund
Jason and Ashley talk about how planning -- the cornerstone of financial literacy -- is appropriate for tax refunds, too. They also talk about the predatory lending practice of "Refund Anticipation Loans," which tend to take advantage of those with poor financial literacy and planning skills.

 

Student Loan Debt, Part 1
Student Loan Debt, Part 2

Ashley and Jason reflect on the state of student loans in America. For the first time in history, student loan debt has surpassed credit card debt in America. Why do people choose to take student loans? Why are they beneficial? And how can you avoid getting into trouble?

 

*FSA is not liable for the content on external websites and does not endorse any particular agency or organization.

Do you want to strengthen earnings in our community?

Please consider donating to the United Way Earnings Priority Fund. This fund helps hard working individuals and families get ahead by increasing their job skills and income potential, providing financial education, and building economic stability and independence.

Want to learn more about additional Earnings initiatives or the other building blocks for a good life -  Education and Essentials?

  • Born Learning
  • Financial Stability Alliance
  • Monroe Smart Start
  • Familywize Discount Prescription Card
  • Bank On Bloomington