Related Consumer Finance Programs - The following lists of companies and financial service providers offer services to assist you with handling your debts. Combine debt with a consolidation loan or use a credit counseling or debt relief program for help with lowering your payments and getting your credit card bills and other obligations under control.

• Personal Loan Rates - Need a smaller loan? Personal loans are most often unsecured. That means you do not have to secure them with personal assets in order to do a debt consolidation. This type of financing is typically based upon your credit history and your ability to make your payments.
• Debt Management Credit Counseling - Too many credit bills for you to handle with your budget? Compare different programs and find the one that is the right match for your individual situation.
• Debt Settlement Service - If you have too many credit cards and other small debts and are unable to make your payments, this form of debt negotiation may be right for you.

Financing a Small Business

Saving Money to Help Your Company Grow

49. Develop a good working relationship with a banker who can help you save money. Look for someone who seems genuinely interested in your business and the market you serve. "The more the banker understands your company and its needs, the more likely he or she can help you with everything from financing and getting the best interest rate to referrals," Reynolds said.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 8/10/2007

Make better decisions when shopping for banking, debt consolidation and related financial services. Educate yourself!

The Debt Consolidation Loan Directory has a growing library of free informative and educational financial resources for consumers shopping for many types of financial services related to the management of your finances, such as the consolidation of credit card debt, fraud alerts and life insurance. There is no better way to make decisions regarding the management of your personal finances than to read and understand how they work. Please feel free to visit our consumer information library to learn more.

• Do You Know the Warning Signs of Too Much Debt? - Take control of your spending as soon as you recognize any of the warning signs cited by this article provided by CitiFinancial.
• What Do Banks Do? - A bank is a private, for-profit business that offers a variety of financial services to the public.
• Learning about Bank CDs (Certificates of Deposit) - Learn about the different types of bank CDs and how to choose the type that is right for you.
• Pros and Cons of Internet Banking - Review some of the positive and negative aspects of Internet online banking.

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