Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.

• Debt Consolidation Program - Learn more on how consolidating your credit card debts can work for you and potential pitfalls that you need to avoid. Also, review a list services that offer to help people lower their bills into fewer payments or even one payment.
• Credit Debt Management - Having trouble keeping up with your monthly credit payments? Compare debt management companies in this online list that can try amd help you get a grip on your personal financial situation.
• Personal Loan Financing - 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.

Simplify your financial life. Examples include signing up for direct deposit of your pay and benefit checks and other regular income, having a certain sum automatically transferred each month to a savings or investment account, and exploring banking and bill paying by phone or online. These services can help you save time, reduce stress, lower the fees you pay, and maybe earn a little extra on your savings and investments.

Also consider arranging and updating your financial files to help you and your family locate important documents (such as wills and insurance policies) in an emergency.

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 02/12/2008

Make sound financial decisions when debt consolidation and financial services shopping. Educate yourself!

Please note that the Debt Consolidation Loan Directory has a constantly growing list of resources for consumers searching for many types of financial services online, such as mortgage refinance lenders, life insurance companies and debt management programs. The best way to make sound decisions concerning your personal finances is to become better educated about how they work. Please feel free to visit our consumer information library or one of the related topics below.

• When Credit Card Debt is "Out of Sight - Out of Mind" - The phrase “Out of sight – Out of mind” becomes reality when one considers how easy today's financial marketplace has made it to obtain and run up the balances of retail and bank credit cards.
• Should You Use Credit? - Everyone wants to build a strong credit history. It enables you to to accomplish a lot of the things you want and need to do in your life, like buying a car or financing a home. It may also affect your chances of employment when applying for a new job.
• Questions to Ask When Getting a Home Equity Loan - What questions should you be asking yourself when considering home equity loan financing? The FDIC has some suggestions.
• Get a Free Copy of Your Credit Report - The information contained in your credit report now controls your access and pricing to many financial services, like obtaining loans and even insurance coverage. Under the law, you are now entitled to receive one free copy of your credit report each year from each of the three main companies that compile this data: Equifax, Experian and TransUnion.

The Debt Consolidation Loan Directory is a service of Infinamic, Inc. All information is deemed reliable, but not guaranteed. Infinamic, Inc. is not responsible for the content and services, that may be provided to you, by following the links from this web site. Use this service at your own discretion.