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Debt Consolidation
"We were in debt for over ten years and were relieved to be able to make monthly payments to CareOne to begin to get our lives back."Deborah J., Conley, GACareOne Customer
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Learn about your debt consolidation options in Iowa.
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The Need for Debt Relief Increases in Iowa

With 5 million people helped and counting, the providers of CareOne Debt Relief Services® hear from customers across the country about their daily struggles with debt. But more importantly, we know how to help our customers overcome their own struggles with debt. Our passion for helping customers stems from overcoming our own battles with debt. We listen to the financial challenges our customers are facing and we know that residents in Iowa, like many across the nation, are struggling with debt issues, particularly given the current economy.

Looking at positive financial trends, Iowans saw a 6.4% increase in per capita personal income in 20111. Only one other state, North Dakota, showed a higher percentage growth in per capita personal income. Iowans also saw their personal credit card debt decrease from 2010 to 2011 by 7%2.2

Yet despite those healthy-looking indicators, we see from our own data that many younger Iowa residents are feeling the financial crunch. The number of 18 to 24 year old Iowans who were seeking debt relief increased 36% from 2010 to 2011 and was 18% higher than our national average. We also saw an increase in residents aged 25 to 34 who were seeking debt relief: their numbers increased by 4%, putting put them 2% above our national average. According to the Project on Student Loan Debt, Iowa graduates carry the third highest amount of student loan debt in the nation. The average amount owed is $29,598 and 72% of students are burdened by this expense3.

In most cases, unfortunately, regulations prohibit student loans from being added to debt consolidation plans. Many people find relief and financial success by using a debt relief plan to lower their monthly payments and interest on their unsecured debt obligations, thereby making it easier for them to afford to make student loan payments.

Regardless of the cause, if you’re an Iowan and you’re looking for a better way to manage your debt, CareOne’s Certified Personal Finance Counselors® can help. Many of them have experienced debt first-hand, and are motivated by that experience to provide the best service and support possible. They’ll carefully review your unique situation before recommending a customized action plan to help you achieve your financial goals.

For more about debt in other Midwestern states see our articles on Missouri, North Dakota, South Dakota, Nebraska, Minnesota and Kansas


1 U.S. Bureau of Economic Analysis and Office of the Census, http://www.bea.gov/regional/bearfacts/pdf.cfm?geoType=3&baseyear=2011&fips=19000&areatype=19000
2 CNN Money, http://money.cnn.com/news/storysupplement/economy/credit_card_debt/index.html
3 Project on Student Loan Debt, http://projectonstudentdebt.org/state_by_state-view2011.php?area=IA
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