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Financial Literacy

Exploring Your Debt Consolidation Options


The stress of growing debt can feel like the weight of the world on your shoulders. Discover ways to consolidate and recover with Highlands Community Bank.

We all know what it’s like to do a financial check-in, only to realize that we’ve accumulated more debt than planned. From credit cards to student loans, car loans to mortgages – things add up. When minimum monthly payments simply won’t cut it, it may be time to consider another option to help you tackle your debt.

Here are three steps to get you through the process.

1. Talk to Your Banker

At Highlands Community Bank, we take personalized banking seriously. Our bankers are your neighbors, and we provide banking products and services you can trust.

When it comes to sorting through your financial struggles, we want to be your trusted advisors. We’ll work to help you understand how debt consolidation works and find the best option for you. All you have to do is pick up the phone and call your nearest branch.

2. Review Your Options

There are plenty of options out there to help you consolidate your debt. It’s important to realize there’s no “silver bullet” for anyone, but there are some products that could best fit your specific situation. The key is to truly understand what options are out there and how they can affect your credit score and budget.

At Highlands Community Bank, we offer a variety of loan options that can be paired with a quality savings plan to help you get out of debt.

3. Make a Lifestyle Change

Debt consolidation doesn’t stop when you sign for a consolidation loan or line of credit. It requires personal restraint and dedication to making sure your payments are being made, preferably more than the minimum requirement.

If you feel that you need help analyzing your finances and adjusting your budget, don’t be afraid to ask for help. The team at Highlands Community Bank is more than happy to share their knowledge and breadth of resources to get you on the right path.

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