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Debt Consolidation
"I cook more dinners now and pack a lunch. Once you add up these savings, it's more than my monthly payment to CareOne!"Amy D., Woodruff, WICareOne Customer
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More Utah Young Adults Seeking Debt Relief

The providers of CareOne Debt Relief Services® know how it feels to be in debt. Many of us have been there including our founder, Bernie Dancel. We also know from our own experiences what it takes to become debt-free and we’re passionate about helping others find a way out too. We understand that every situation is different, that’s why we’re committed to understanding the specific debt relief issues and financial factors you’re facing.

We hear from customers across the country about how unemployment has been affecting their financial health. Over the past decade, however, Utah has been one of the few states with low unemployment rates. According to the Bureau of Labor Statistics, Utah currently boasts an unemployment rate that is 2.1% below the national average. Interestingly, 29% of Utah residents hold a bachelor’s degree or higher which is 5% above the national average according to the U.S .Census Bureau. However, higher education comes with a price and these graduates carry significant amounts of student loan debt.

According to the Project on Student Loan Debt1, 44% of all graduating seniors in Utah were carrying student loan debt and the average amount carried was $15,509. CareOne’s own internal data shows that the percent of 18-24 year olds seeking debt relief in Utah rose a striking 45% from 2010 to 2011 - 24% above the national average. The story doesn’t get much better for Utah residents ages 25-34.While the percentage of that age range looking for debt consolidation has remained steady year over year, it is still 5% higher than the national average.

What makes the problem worse is that it’s not always possible to combine student loans into a consolidation plan along with credit card debt. However, by eliminating unsecured credit card debt first, it is possible to lessen the pain of student loan payments. Two debt consolidation options are Debt Management Plans (DMPs) and Debt Settlement Plans (DSPs). DMPs combine your unsecured debt into one monthly affordable payment and can allow you to lower interest rates and save time repaying your debt. DSPs require you to make monthly deposits into an escrow account until a settlement can be reached with your creditors. Once a settlement has been reached, payments are made from the money accrued in escrow. DMPs and DSPs are not debt consolidation loans, and they’re not bankruptcy.

Many of the providers of CareOne Debt Relief Services have been in your shoes and understand what it’s like to struggle with debt. That’s why we’re committed to helping people in Utah work toward a debt-free life through our multiple debt consolidation options. Our Certified Personal Finance Counselors will work with you to create a personalized solution based on your unique situation.

To learn more about debt in other Mountain states see our articles on Idaho, Montana, Wyoming, Nevada, Colorado, Arizona  and New Mexico


1 ProjectOnStudentDebt.org, State by State Data
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