Consolidation Loan


JSC Federal Credit Union (JSC FCU) can be a one-stop solution for all of your financial needs, including debt consolidation loans. In today’s difficult economy many people are looking to consolidate debt. If you are having a difficult time paying your monthly bills, a debt consolidation loan from JSC FCU may be the best way to get back on the road to financial freedom. We offer a number of financial services that could help, as well as valuable information that can help you make the right decision about debt consolidation loans.

Consolidating Debt

If you have a great deal of debt, and don’t seem to be able to get ahead, and if your bills continue to pile up, you may need to take serious action. A debt consolidation loan may be the right choice for you.

A bill consolidation loans simply transfer your debt from one lender to another. This should lower your monthly payments either by lowering your interest rate or extending the time frame for repayment. But you still owe the borrowed money, and interest, so make sure to keep track of your finances.

Once you have consolidated the loans that you have outstanding, you may be able to do three things:

• Reduce the amount of interest you are paying each month
• Reduce the amount you are paying every month
• Reduce your overall spending by setting up and following a well-organized financial plan

Financial Help from JSC FCU

There are several ways that JSC FCU services can help you consolidate debt.

Transfer your balances to a personal loan with lower interest that can be used as a consolidation loan.
• If you have equity in your home, you may be able to transfer your debt to a home equity loan or a home equity line of credit.
• Refinance your home mortgage loan. You may be able to get a lower interest rate, or qualify for a fixed rate loan that you couldn’t get before. There may be penalties and fees involved, so make sure to research this option thoroughly to be sure it’s the right option for you.


Our members rely on JSC FCU for debt consolidation loans and many other services because, as a member-owned not-for-profit cooperative, we are able to return profits to our members in the form of lower loan rates, low cost services, and higher dividends. We do not engage in risky lending practices, and make all our decisions with our members’ well-being in mind.



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