Baker Federal Credit Union Our goal is to help you achieve your financial dreams!         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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