Financial Wellness offers access to Certified Credit Counselors who
can offer advice on a variety of financial issues. This program is
designed to not only help the Members reduce their debt, but to educate
them in how to best handle their funds in the future. Available
programs include:

Financial Literacy Program - an array of courses on budgeting, using credit wisely, and savings strategies Debt
Management Program - a solution for individuals who are finding it
difficult to successfully meet their monthly financial obligations Debt
Negotiation/Settlement Program - a unique solution for individuals who
have fallen behind with their monthly financial obligations Hardship
(Jump Start) Program - specifically designed for individuals who are
facing a short-term financial setback such as temporary job separation,
reduced income or divorce, resulting in the need to reduce their
outstanding monthly obligations Tax Relief Offer In
Compromise Program - a swift solution for individuals who have an
ongoing tax issue and are facing wage garnishment Student Loan Consolidation Program - a consolidation plan for federally backed student loans Down Payment Assistance Program - offers the ability to purchase a home with zero money out of pocket Accelerated
Debt Elimination program - available to homeowners with high levels of
consumer debt, including mortgage balances, this program provides a
method for all creditor obligations including mortgages to be
eliminated within 7 - 10 years without increasing payments or
compromising credit standings