If you rank among the millions of people struggling with high credit card balances and other types of debt, don’t let sometimes false or misleading information lead you away from viable solutions. Although some news about debt consolidation loans may seem convincing, those phony narratives remain far removed from the truth. After understanding the following myths about debt consolidation loans, it may be in your best interest to contact America's Credit Union to discuss your financial situation and possible debt consolidation solutions.

If you are like many homeowners who feel consumer debt has reached a tipping point, securing a home equity loan could prove invaluable. Qualified borrowers who put equity to work often consider these products the best debt consolidation loans, bar none. Although everyone possesses a unique financial portfolio and has different long-term goals, leveraging a portion of your home’s equity can deliver the relief working families deserve. Here are the reasons why America's Credit Union Lending Specialists say using a home equity loan for debt consolidation is a viable option.

There is no better way to start the new year than to spend some time taking care of YOU! Do not underestimate the benefits of having a positive mindset, a healthy body, and a peaceful soul. Self-care is truly the ultimate gift you can give to yourself and your loved ones. A healthy you means a better person for yourself and those you care about.

It’s that time of year again when all the excitement of the holidays has passed, and it’s too cold and dreary to enjoy your favorite outdoor activities for a few months. Unfortunately, this is also when the winter blues can set in for many folks. That’s why it is a great time to have some hobbies and other engaging indoor activities planned to bring a little fun inside this winter…and beat those winter blues.

If you feel overwhelmed by mounting debt, you’re not alone. Americans reportedly have more than 500 million credit cards and balances exceeding $807 billion. The average family credit card debt stands at approximately $6,270, and there are no quick fixes for people with multiple cards and mounting debt. Although credit cards offer great benefits such as added protection when compared with cash, convenience, and the necessity for online purchases, they can become a crutch for those who struggle to use them correctly. If you feel like you are in quicksand trying to gain control of your credit card spending, the following strategies provide a roadmap of how to pay off credit card debt quickly.

The tradition of giving holiday gifts has become linked to mass-marketing campaigns with consumers urged to purchase this year’s trendy items. From the c Cabbage Patch Dolls to Tickle Me Elmo, these and other "trendy" hot gifts from previous years have largely found their way to back-of-the-closet shelves and tag sales. Rather than follow the latest fad, it may be worthwhile to think outside the box and select unique and memorable holiday gifts. Handmade and experience-driven presents require less strenuous budgeting on your part. They also let your friends and family know they are valued.

If you find yourself racking your brain to come up with Last minute gift ideas before the holidays, it may prove comforting to know that you are not alone. Surveys indicate that upwards of 79 percent of gift buyers shop until the last possible day. The reasons involve being overwhelmed with work and family, inability to find the perfect gift, or simply procrastination. Whatever the reason you find yourself pressed for time, here are eight last minute gift ideas worth considering.

If you’re like most people, you want to improve your lifestyle whenever possible and can appreciate helpful Life Hacks that can make things a little bit better or easier on a daily basis. Although these Life Hacks may seem like small things to consider, they can make a big difference on a day-to-day basis to make us more productive, happy, and efficient.   Add some of these helpful tips to your list of resolutions and goals to have the best year ever in 2023.

By now you’ve probably heard all about the popular 52-Week Money Challenge that has everyone motivated to stash their extra dough to reach their savings goal. From exotic vacations and high-tech electronics to new cars and much-needed home upgrades; this fun and financially savvy challenge makes a great New Year resolution or a fantastic money decision any time of the year.

When committed couples find themselves wading in a quicksand of debt, the value of a lifeline cannot be understated. Excessive debt strains relationships and reduces the quality of life. Rather than continue to spin your wheels while sinking deeper into financial stress, there comes a time when family members need to have a heart-to-heart talk about finding a solution. One of the tried-and-true strategies couples employ involves consolidating debt by bringing wide-reaching accounts under one roof at a lower interest rate. Following this strategy, couples can apply for a debt consolidation loan in order to regain their financial health and the emotional well-being that comes with it.