Our Debt Management Service is designed for individuals and families who are struggling with how to replacing high-interest debt with low-interest loans, which can help reduce costly finance charges. We work closely with you to create a strategy that works with your lifestyle. The program helps you track expenses each month—and identify areas where you can cut back and save.

Setting up automatic systems for monthly payments can challenge your budget and make it difficult to stay on track. And, high interest rates and lengthy repayment terms can make it impossible to wipe out debt quickly. Do these types of challenges have you worried about your financial well-being? If so, you’re not alone. The average debt per U.S. household is more than $135K.

	Average debt per U.S. household	Total debt by all U.S. consumers
Credit cards (revolving)**	$6,929	$420.22 billion
Mortgages	$184,417	$9.14 trillion
Auto loans	$28,033	$1.27 trillion
Student loans	$47,671	$1.44 trillion
Any type of debt*	$135,768	$13.51 trillion

If you fall into any of these categories, don’t be discouraged. It is possible to regain confidence in your financial future. The first step is to create a plan that will help you payoff debt, swap high-interest debt for lower-cost loans—especially credit cards—and focus on paying down these accounts to get ahead of the debt curve.