Resource Center

Calculators

	Budgeting Use our interactive budget form to get started on a plan for achieving your financial goals.
	Multiple Credit Card, Minimum Payment Calculator Use this calculator to determine how long it will take you to pay off your credit cards and how much you will pay in interest.
	Car Cost Comparison Calculator When buying a car there are many different costs to consider. Use the calculator to evalute the true cost of an auto loan.
	Debt-to-Income Calculator  Debt-to-income is used in many situations. Can you purchase a home? Can you rent a home? Can you afford an auto payment? Use the calculator to determine how much debt you have compared to your income.
	Mortgage Loan Qualifier Calculator The first step in buying a house is determining your budget. The mortgage qualifier calculator walks you through the process of finding out how much you can borrow. You can calculate your mortgage qualification based on income, purchase price or total monthly payment.
	Mortgage Refinancing Calculator This calculator will help you to decide whether or not you should refinance your current mortgage.
	Net Worth Calculator Your net worth tells you whether you have more assets than liabilities (debts). Find out your net worth in just a few minutes.
	Savings Goal Calculator Find out what it will take to reach your savings goal.

DEBT CONSOLIDATION

• Debt Consolidation Loans
  Anyone in debt will most likely have thought about taking out a loan for debt consolidation...
• Debt Settlement
  Have you ever heard the saying, "If it sounds too good to be true, it probably...
• Medical Debt Relief
  If you are like 41% of American adults under the age of 65, you have experienced...
• Do it Yourself Debt Consolidation
  Looking for a way to manage your debt on your own? Make sure you understand all of...
• Fair Debt Collection Practices Act
  Dealing with debt collectors can be frustrating and painful. Read here to learn about...
• The Reality of Debt Forgiveness
  If you've heard about ways to get rid of your debt – read this article first!
• Mortgage Forgiveness Debt Relief Act - What You Need To Know
  In 2007, the Mortgage Forgiveness Debt Relief Act (MFDRA) was instituted to help...
• Bankruptcy Information: Options, Ramifications, and Rebuilding After Filing for Bankruptcy
  Sometimes our debts can feel overwhelming, but there are options available to help...
• Save Money or Pay Down Debt?
  We've all been told that it is important to save money, but what about getting rid...
• Debt Management Plan and Your Credit Score: Friend or Foe
  Debt management plans may help you pay your bills, but how do they impact your credit?

Money Management

• Credit Reports
  Everyone is entitled to receive a free copy of their credit report once a year.
• CheckWise
  CheckWise, a premier checking account program.
• Credit Score Basics
  Have you ever wanted to know how the credit bureaus come up with your credit score?...
• Your Guide to Successfully Managing Your Medical Bills
  American Financial Solutions is pleased to provide this consumer guide to help you.
• MyMoneyCheckup program
  As a member of the National Foundation for Credit Counseling (NFCC), AFS is pleased to provide you access to the MyMoneyCheckup program. You tell us a little about your financial situation by answering simple questions like how much you make each month, and the type of debt you have. We help you understand how your finances are doing, where you can improve, and what you can do in the future.