America Save Week: Take Control of Your Finance by Tackling Debt

(3 Minute Read) — For Day 4 of America Saves Week we want to help you tackle your debt, because debt doesn’t have to hold you back. Whether it’s credit cards, medical bills, or student loans, reducing debt is one of the most powerful ways to improve your financial health—and your peace of mind.

During America Saves Week, Unitus Community Credit Union is joining the national movement to empower individuals and families to take meaningful steps toward financial security. If you’re ready to transform your finances by paying down debt, you don’t have to do it alone.

Why Paying Down Debt Matters

Carrying debt can create financial stress and limit your ability to save for the future. But every step you take—no matter how small—moves you closer to freedom, flexibility, and confidence in your money management.

Step 1: Understand What You Owe

Start with a clear picture: list all your debts, including balances, interest rates, and monthly payments. This will help you see where you stand and identify opportunities to make a change.

Unitus Tip: Reach out to our Member Solutions team for one-on-one support. Whether you’re behind on payments, feeling overwhelmed, or just need a plan, our team will listen and help you understand your options with compassion and care. Our team offers some expert advice in this article.

Step 2: Get Professional Support

Sometimes debt requires more than just budgeting. That’s where our trusted partner, GreenPath Financial Wellness, can help. They offer free, confidential counseling and customized debt management plans that could help you lower interest rates and simplify payments.

Unitus Tip: Connect directly with GreenPath through our partnership!

Step 3: Explore Consolidation Options

Simplifying your payments through consolidation or refinancing may reduce your interest and help you pay off debt faster. For some members, a student loan refinance or home equity line of credit (HELOC) can offer a more manageable path forward.

Unitus Tip: Check out our loan options to see if refinancing could lower your rate. Already a homeowner? Ask our mortgage team about using a HELOC to consolidate higher-interest debts. We’ll walk you through the pros and cons.

Step 4: Stay Consistent and Celebrate Progress

Progress takes time, but it adds up. Automate payments where you can, stick to your plan, and celebrate small wins along the way. Paying off even one account is something to be proud of!

Unitus Tip: Our digital tools make it easy to track your balances and manage payments. And during America Saves Week, we’re sharing financial education and resources to keep you motivated and moving forward.

Let’s Make a Plan—Together

Debt doesn’t define you. With the right tools and a little support, you can regain control, reduce stress, and create the space to focus on your goals.

At Unitus, we’re here to help you build a stronger financial future—one step at a time.