Los Angeles Federal Credit Union Click to Access Credit Counseling & Loan Programs Info.   Click to Access Your Accounts Online with e-Branch     INTRODUCTION   SET GOALS   DETERMINE YOUR NEEDS   BUILD A PLAN   FIND THE RIGHT CARD   IMPROVE YOUR CREDIT RATING   REDUCE DEBT   REACH OUT • Find a counselor in your area. The nonprofit CCCS has more than 1,000 offices that provide free or low cost and confidential consultations with professional budget counselors. Typically the only charge is on debt repayment plans—often as low as $15 a month.

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