Step 3 – Create a repayment plan 

• It is not always necessary to seek professional advice when creating a repayment plan. There are tools and information located on the Web for you to use to determine which debts to pay off first and to create a plan on your terms. 
• Visit the Financial Education Center located on to create your very own personal debt repayment plan. 
• Contact creditors directly to discuss your account status. Your credit report will contain contact information so that you may contact the creditors directly to discuss your account. If you are unable to contact them by telephone, write a letter offering a repayment plan on your terms.

Click here to download the financial goals worksheet.