Getting Ahead of Debt

Shanae & Shaylynn H., members since 2000

We can help you manage debt so you can live the life you want to live!

At Wright-Patt Credit Union® (WPCU®), we know how challenging it can be to deal with debt and that’s why we’re committed to making it easier to get ahead – and stay ahead – of debt. We have the tools, resources and support to help you better understand your current financial situation and start down the path on your Financial Flexibility and Freedom® journey.

  • Review Your Financial Situation

    Your debt management plan starts with answering these questions to get a good snapshot of your current debt:

  • Manage Your Money to Get Ahead of Debt

    Practice these helpful tips and smart strategies for managing debt:

  • Learn More from WPCU’s Financial Experts Who Are Here to Help

    Get personal guidance from knowledgeable experts that will help you make more informed and confident decisions.

Review Your Financial Situation

Your debt management plan starts with answering these questions to get a good snapshot of your current debt:
  • Do you have a monthly budget?
  • Do you have an emergency fund?
  • What debts do you currently owe?
  • What’s your monthly payment?
  • How much can you afford to pay each month?

Not sure how to answer some of these questions? Start simple with your budget to know how much you can realistically repay each month. Build an emergency fund to prevent staying in the debt cycle. Then create a debt inventory (worksheet) to organize your debt. 

We’re happy to help you navigate your financial situation and develop a plan to get ahead of debt. Find a Member Center and meet with one of our financial coaches to get a clearer picture of your current debt.

Manage Your Money to Get Ahead of Debt

Practice these helpful tips and smart strategies for managing debt:
  • Make a financial commitment to stop borrowing money.
  • Evaluate your spending habits to better understand what may be causing you to sway from your goals and learn what can motivate you to stay on a healthy, sustainable financial journey.
  • Consider refinancing or consolidating multiple debts, including credit cards, into one easier-to-manage payment or a lower-rate loan. 
  • Establish a savings plan to build a starter emergency fund of at least $1,000 in case of unexpected expenses. Use a WPCU Club Account or Money Market Account to grow your emergency fund. 

WPCU’s Financial Coaches are here to answer your questions and develop a personalized plan for your unique financial situation. Stop by your nearest Member Center to set up a meeting today.

Learn More from WPCU’s Financial Experts Who Are Here to Help

Get personal guidance from knowledgeable experts that will help you make more informed and confident decisions.

We are pleased to offer members free budgeting and debt counseling through our partnership with GreenPath Financial Wellness. And, our financial coaches are always here to help you save better, borrow smarter and learn a lot so that getting ahead of debt is a little easier.

Visit a Member Center and meet with us today!

  • Financial Learning Center

    There is a wealth of free financial learning seminars, webinars, online resources and more at the WPCU Financial Learning Center.

  • Brochures/Documents

    Learn more about the products, services and resources available from Wright-Patt Credit Union that can help you on your Financial Flexibility and Freedom® journey.

  • Financial Success Center

    Learn at your own pace! You can browse our interactive learning modules with over 24 topics to help you save better, borrow smarter and learn a lot.