Using and Managing Credit

Change Font: Increase Font SizeDecrease Font Size

Are you paying for everyday items with credit?
Is it challenging to save after high monthly payments?
Do you understand your interest rate and terms? 

Desert Schools wants you to be in good financial condition. Therefore, we strongly encourage you to thoughtfully consider your credit behavior. You should have the flexibility to save, manageable debts and make more than simply minimum monthly payments, if you choose.

Of course, we realize that unforeseen expenses, an expanding family and life's little bumps can sometimes lead to increased debt. However, if you feel your credit is slipping out of your control or your finances can't keep up with your obligations, please contact Take Charge America via the button below or by calling (877) 822-2408. They offer a free, confidential debt review.

Using and Managing Credit
  • Reclaiming control over debt
  • Establishing savings strategy
  • Pursuing financial independence

What Others Say About Take Charge America
"You and your organization have allowed me to gain control of my debt situation and have given me the chance to eliminate the debt, without having to turn to more drastic measures, such as bankruptcy."


"You have a tremendous team of specialists, who were very professional."


"Words cannot express the weight I feel lifted and the gratitude I feel for Take Charge America and their instrumental help in working to achieve this goal of becoming debt free."

Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S.Government Agency. ©2014 Desert Schools Federal Credit Union