We understand that sometimes events happen that are beyond your control. When financial hardship hits or unexpected expenses leave you short at the end of the month, you may have difficulty paying your bills on time. Despite this situation, there are steps you can take to reduce the impact of falling behind and get your finances back on track.

Mortgage Payments

If you're experiencing a financial hardship, and are unable to make your regular mortgage or home equity payments, we can help. Contact us and we will take the time to learn about your unique financial situation and discuss options with you.

Student loan payments

If you’re having trouble making payments on any of your student loans, contact your lender to discuss your payment options. You may be eligible to consolidate multiple student loans or refinance a single student loan, in order to set up a lower monthly payment with a reduced interest rate or an extended repayment term. Keep in mind that extending your repayment term may increase the amount of interest you pay over the life of the loan. If you can show that you’re unemployed and actively looking for a job, are returning to school, or are experiencing an economic hardship, you may be eligible for a deferment – a period of time in which your student loan payment may be postponed up to three consecutive monthly billing cycles. Contact your loan holder for the proper documentation requirements and to see if you qualify.


Late credit card and loan payments are typically reported to credit reporting agencies after 30 days.

Credit card debt

Credit card debt can pile up quickly and late payments can do considerable damage to your credit score. Late credit card payments are typically reported to credit bureaus after 30 days. If you have a good history with your creditor, they might be able to provide a short-term payment option with a lower interest rate and lower minimum payment amount. Other options they may offer include long-term payment plans with reduced interest rates and managed payment sizes.

Regardless of your situation, the key is to take action as soon as you see an issue on the horizon. By proactively taking action, these steps can help you handle your debt without heading into crisis mode.

Empower yourself with financial knowledge

We’re committed to helping with your financial success. Here you’ll find a wide range of helpful information, interactive tools, practical strategies, and more — all designed to help you increase your financial literacy and reach your financial goals.

Financial Education and Tools