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Consolidate Debt and Save for a Better Tomorrow

Review Your Current Debts to Start Your Better Tomorrow... Today

Many of us are scrambling for breathing room in our budgets during the summer vacation season. This can be stressful and overwhelming, especially if our savings isn’t as robust as we would prefer. But here's the good news: It's not too late, and 3Rivers can help.

Throughout our 80-plus year history, we've helped members achieve life-changing success with immediate impact. And one of the best ways we help members improve their money matters is by showing ways to pay less on their current debts. Consider how the following can improve your money matters:

  • Competitive rates and terms may create a lower total monthy payment.
  • One monthly payment replaces several smaller payments for less hassle and more simplicity.

Let us help you get started on the path to a lower monthly payment, no new debts, and a vision for being debt-free within sight!

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Real-Life Examples of Debt Consolidation Savings*

Here are three real-life examples of members we've helped and the impact that debt consolidation can have:

Example 1

Member had 2 credit card balances totaling $3,900, 2 medical bills totaling $3,125, a computer loan totaling $300 and a personal loan from a friend totaling $1,000. The total debt of $8,325 had monthly payments totaling $672.

When they refinanced they got $83.25 cash back and started making a $199 monthly payment instead of $672.

By putting half of their payment reduction into savings and using the other half as extra payments, they will pay off their debt 3 years sooner and have $5,200 in savings.

Example 2

Member had 20 different debts totaling $22,000 and $706 in total monthly payments. It was consolidated into one hassle-free payment at a lower rate, lowering monthly payments by $239. They put 100% of the savings onto the new payment and will be paying off their debt in just 37 months.

They also got $220 in cash back to use on other expenses.

Example 3

A 26-year-old member had student loan debt of $10,000 and a small bank loan of $3,300. The total monthly payment was $203.38. It was consolidated into one hassle-free payment at a lower rate, reducing the monthly payment by almost 50% to $112. They’re putting 25% of the monthly payment savings toward starting an IRA for retirement.

They will be paying off the debt much sooner and have $8,000 in retirement savings when it’s paid off. They also received $133 cash back to use on other expenses.


Are you ready to take the first step toward life-changing impact for a better tomorrow? Wondering if debit consolidation can help you?

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*APR = Annual Percentage Rate. The member scenarios presented herein are for example purposes and based upon unique scenarios. Actual rates, terms and savings will vary based upon individual personal scenarios and qualifications. No promise of any specific rate, payment or qualification should be implied.

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