Time for some honest math. Grab your calculator (or use your phone) and tally up everything you owe—interest rates, monthly payments, and any sneaky fees. Think of it as facing the facts so you can finally move forward.
Tip: Understanding your full financial picture keeps you from making things messier. Clarity = fewer headaches.
Nobody likes hidden fees or unexpected rules. Before signing up for anything, take a close look at the terms. Watch out for high interest rates after a teaser period, prepayment penalties, and other costs that can add up fast.
Rule of thumb: If something feels off, trust your gut—and ask us to take a look if you’re unsure.
Your credit score plays a big role in what options (and rates) are available to you. A higher score means better deals, so take a minute to check yours. If it’s not where you want it to be, no worries—there are steps you can take to improve it.
At Member Choice Credit Union, we get it—life happens. We’re here to help you find a debt consolidation plan that actually works for you, without judgment or added stress. Whether it’s a personal loan or just answering your questions, we’ve got your back. Plus, when you join us, you'll get lots of perks just for being a member!