Finance

Credit and Debt Management

Assessing Your Debt

In today's world, we all have to deal with money. One of the most important things about money is learning how to manage it. For more information, view the brief tutorial on the link below:

Taking a look at your current debt status is an important step. Ask yourself:

  • Do I pay my bills late?
  • Do I only make minimum payments on my credit card(s)?
  • Am I close to maxing out my credit card limit?
  • Do I worry about money all the time?
  • Have I ever needed to borrow money to pay my bills?
  • Are creditors calling me?

If you answer yes to two or more of these questions, you may be at risk for financial trouble. Consider seeking financial assistance to addressing your debt situation.

Seeking Financial Help

If you have concerns about your debt or think you need other financial assistance, it is important to seek the appropriate help as soon as possible. It is better to address things early when you have more options and less stress.

There may be counselors or advisors on your campus who can offer assistance. You may also want to talk with a trusted family member or friend. Professional financial planners and advisors can help you assess your situation and can recommend a course of action. If you decide to work with a financial professional, research his/her credentials and reputation and select someone you trust.

National Foundation for Credit Counseling This site provides a comprehensive approach to debt management.

National Association of Personal Financial Advisors Be aware that fraud exists in the credit counseling and debt consolidation/ management industries. As a consumer, you need to be wary of promised "quick fixes". Tips on locating and selecting a reputable financial professional can be found on this site.

Pencils

Career / Education / Finance / Leadership / Personal / E-Folio Login / About GPS LifePlan

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On Campus

Your campus may have resources to assist you with developing your GPS LifePlan. Be sure to take advantage of their valuable services.

Upcoming Workshops

Workshops and seminars are a valuable tool to help you explore the different areas of the GPS LifePlan. Your campus may or may not offer workshops or seminars, check with your GPS LifePlan coordinator.


Checklists
Career Checklist

Navigate your CareerPlan by referencing the checklist below.

Have you:

  1. Assessed your values, interests, and skills?
  2. Researched possible career choices?
  3. Created a resume and cover letter?
  4. Activated your eFolio account?
  5. Started the job search process?

Click here to view the GPS LifePlan checklist.

Click here to view the GPS LifePlan list of activities and resources.

Education Checklist

Navigate your EducationPlan by referencing the checklist below.

Have you:

  1. Developed SMART goals?
  2. Decided on a major or program of study?
  3. Assessed your learning style?
  4. Researched study skills and strategies?
  5. Arranged a meeting with an advising professional to select appropriate courses?

Click here to view the GPS LifePlan checklist.

Click here to view the GPS LifePlan list of activities and resources.

Finance Checklist

Navigate your FinancePlan by referencing the checklist below.

Have you:

  1. Established your short and long-term financial goals?
  2. Created a budget?
  3. Explored resources to help you pay for college?
  4. Assessed your debt situation?
  5. Developed a savings plan for the future?

Click here to view the GPS LifePlan checklist.

Click here to view the GPS LifePlan list of activities and resources.

Leadership Checklist

Navigate your LeadershipPlan by referencing the checklist below.

Have you:

  1. Assessed your leadership style?
  2. Completed a personality inventory?
  3. Formed your personal mission and vision statement?
  4. Explored the leadership resources?
  5. Participated in a campus or community activity to help build your leadership skills?
  6. Determined your Carbon Footprint?

Click here to view the GPS LifePlan checklist.

Click here to view the GPS LifePlan list of activities and resources.

Personal Checklist

Navigate your PersonalPlan by referencing the checklist below.

Have you:

  1. Explored the transition to college resources?
  2. Assessed your resiliency and ability to adapt to change?
  3. Established personal fitness goals?
  4. Examined the physical and mental wellness resources?
  5. Researched how to manage healthy relationships?

Click here to view the GPS LifePlan checklist.

Click here to view the GPS LifePlan list of activities and resources.