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This includes: Personal Loan Historically, credit unions offer very low loan interest rates.

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Do you have too many monthly payments or feel like you’re in over your head?

If yes, it might be time to talk to a State Bank of Cross Plains loan representative about easing the financial pressure and making your debt easier to deal with. Let us help you take your family to Disneyland or do some soul-searching while backpacking alone through Asia.

Fixed payments help you easily budget all of your finances for the month and can help you get on the right track to pay off your debt quicker.

Our Personal Loan gives you the freedom to borrow for just about anything at a low, fixed rate starting at 8.24% APR.* Debt consolidation can end up saving you tons of money in the end. When you obtain a Personal Loan, you receive a lump sum to pay off your existing debts.

Debt consolidation doesn't lower the principal amount you owe, but it lowers your overall payments by reducing your interest rate.

That's why it makes the most sense for high-interest debt like credit cards. The downside is that unsecured loans can be harder to get, especially if you have poor credit, and your interest rate will likely be higher.The more you take advantage of what a credit union has to offer, the more you save!The Schools Personal Loan offers a low, fixed rate with a one-time lump sum at funding that is repaid over a predetermined time.Then, instead of managing multiple monthly payments, you can focus on making the one new loan monthly payment for a specified length of time.Most people typically choose debt consolidation to simplify their finances and to save money on interest payments, hence, it makes it easier to pay off debt faster. Debt consolidation can be a strong tool to simplify many types of unsecured consumer debt.You also have to be careful not to fall back into old habits. Close your newest cards, Bovee says, and be careful with your future credit spending.

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