Debt Management

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Tools to Help Manage Debt

Responsible Borrowing

Consider your repayment amount before you borrow.  Repayment schedules are often provided as a part of the documentation a borrower reviews before completing the loan process.  

Staying On A Budget

Staying on a budget will help you manage your money each month in order to avoid debt. Visit our budgeting page for more information.


Although credit cards can help build credit, misuse or mismanagement can damage your spending habits, credit score, and the ability to finance in the future.  

You can build your credit without using a credit card including using your rent payment to build credit and staying on top of your student loans.

If you want to check your credit report, you can print one free credit report once a year from all 3 credit reporting agencies at

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