Debt Management

Debt management involves tracking expenses, budgeting, saving and more. Many people do not know where to begin with this process, but MyUSA CU is here to help. We provide services like:

  • Setting and reaching financial goals
  • Financial education
  • Budgeting
  • Analyzing your credit report
  • Starting or building a savings plan
  • Building or rebuilding credit
  • Restructuring debt
  • Getting away from payday lenders

Financial Counseling

Trinity Debt Management

For more information, call 800.793.9049

MyUSA CU also works with Trinity Debt Management, a trusted nonprofit counseling and debt management company. They work with your unsecured debt holders to establish monthly payment arrangements that may:

  • Combine your payments into one convenient monthly payment
  • Lower your interest rate
  • Eliminate late and over-limit fees and collection calls
  • Pay off debt faster

Whether you’re looking to start a checking account, obtain a loan, or learn more about personal finance, Trinity Debt Management offers MoneyEd. Each course will prepare you to make wise financial choices. When you’re finished, take the quiz at the end of the chapter to measure your success.

REACH Financial Success Education Program

MyUSA CU is committed to helping our members and their families REACH their dreams through innovative financial solutions.

Our REACH Financial Success Program is a free benefit, providing interactive financial education modules that are short and easy to understand. The training provides information on critical topics to increase financial knowledge, giving members the resources to plan for their future.

Below are some interactive learning experiences – you’ll see other topics throughout this Web site. Or click Get Started to see all the learning experiences we offer.

REACH Financial Success Education

Creating a Budget

Only about one third of American’s create and maintain a budget – are you one of them? A budget can help you stay on top of your finances by helping you plan where your money will go instead of wondering where it went. This short, interactive financial education will teach you to:

  • Identify your income sources as well as your expenses
  • Create a new budget or reevaluate an existing one
  • Apply strategies to monitor your spending and stick to your budget

REACH Financial Success Education

Healthy Financial Habits

It’s common to feel overwhelmed by your financial situation but there are steps you can take to build your confidence. Explores some healthy habits that can benefit you financially and put on the path to success. This short, interactive financial education will teach you more about:

  • Saving and spending wisely
  • Understanding how to manage debt
  • Knowing when and how to ask for help

REACH Financial Success Education

Debt Management

Approximately 80% of American are in debt – but debt is not always a bad thing! Credit cards, student loans, and mortgages are all examples of debt. This short, interactive financial education will teach you to make a plan to manage your debt, with insights around:

  • How to determine how much debt is too much
  • How to calculate your debt-to-income ratio
  • Different strategies to help you pay down debt