Debt Management Counseling

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• Debt Management Counseling
• For Nova Southeast University Optometry Students

Presented to you by
A Proud Partner of the American Optometric
Association
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• Planning for your Future
• Manage your finances
• Spending Plan
• Freedom
• http//www.pueblo.gsa.gov
• Search Consumer Almanac

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• Monitoring your Debt
• Consumer debt
• Stress
• Choices

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• How to Reduce Debt
• Always pay more than the minimum
• Avoid late fees, make your payment on time
• Goals

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• Pathway to success
• Goals
• Big Picture
• Consolidate Debt

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• Consumer Credit Counseling
• Budget counseling
• Education programs
• Debt Management Assistance
• Housing Counseling
• www.cccsintl.org
• Phone at 800.634.2227

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• Your Career
• Wage Garnishment
• Loss of Employment
• Credit Rating

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• Bankruptcy
• California Student
• Harvard University
• Chapter 7 Chapter 13

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• More Bankruptcy
• Seek Advice
• Bankruptcy is not Free!!!
• The Good, the Bad and the Ugly

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• Spending Plans
• Keep it simple
• Prioritize
• Plan Ahead
• Prepare for Emergencies

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• It Doesnt Always Add Up
• Cut your expenses
• Raise your income
• A combination of both

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• Personal Finance Software
• Quicken
• Microsoft Money
• Makes.Cents

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• On-line Banking
• Speed
• Access
• Save Money
• http//www.onlinebankingreport.com

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• Student Loans
• Who owns my loans?
• Deferred?
• Did you move?
• http//www.nslds.org

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• Consolidation
• Fees
• Equity
• Credit
• Extended payments
• www.aoaadvantage.org

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• The Best Credit Card
• Introductory Interest Rates
• Default APR
• www.bankrate.com

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• Automobiles
• Payments
• Insurance
• Fuel and Maintenance
• Miles Driven Per Year Divided by Annual Miles Per
  Gallon Multiplied By Price Per Gallon Gasoline
  Cost Per Year

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• Friends?
• Co-signing
• Pressure
• Spring Break

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• Questions?
• D.J. Christianson
• Student Assistance Foundation
• 2500 Broadway
• Helena, MT 59601
• DChristianson_at_safmt.org
• [phone] Mobile

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• American Optometric Association
• Thank You
• 1-866-408-5626
• aoaadvantage_at_safmt.org