America's Educators in Debt
You are not alone.

Like most of our middle class, millions of America’s educators have seen the value of their personal investments decline dramatically in the past few years, and in far too many cases even precious pension dollars have been severely compromised. However, today’s dedicated teacher often has a greater number of financial hurdles to overcome than many others. This is no secret to anyone in the profession.

While we have seen the income levels for many occupations and professions increase to record levels in the past two decades, educators continue to be among the lowest paid professionals in the workplace. Despite public statements from various politicians and political groups, the promised momentum in improving the lot of those people who educate our children; our nation’s most valuable resource and the foundation of our future has simply failed to materialize.

Beginning salaries for US educators have remained so low that it’s amazing the profession attracts the quality individuals that logic dictates we want teaching our youth. From a low of $18,700 to a high of $33,676 (source: AFT annual survey 1999-2000) it’s hard to imagine anyone who’s just finished earning a BA even considering a position that pays $360 a week before taxes! Yet many do more than consider it; they somehow manage to do it and provide a quality education in the process. No minor feat with all the things people have to deal with these days besides basic economics.

So is it any wonder that many educators are encountering distress when it comes time to pay this new month’s round of bills? What should come first, credit card bills or the mortgage? Should you take one credit card and use it to pay another credit bill? These are very difficult decisions for anyone to consider and it’s unfortunate that these are the realities that so many fine teachers have to face right now.

Debt Management and Credit Counseling has been the solution for thousands of educators nationwide. It is a way to pay down your unsecured debt at greatly reduced interest rates, saving tens of thousands of dollars in the process. In some cases the monthly payments have been reduced, penalties and late fees have been eliminated, and people who complete the program are often considered credit worthy and responsible by the majority of the country’s creditors and credit rating agencies.

While other options do exist, when one considers the advantages of our non-profit foundation’s Debt Management program versus bankruptcy, debt settlement, or debt consolidation loans – there is really only one viable choice. Speak to a trained counselor today – it is our pleasure to serve you.