Just chiming in here on one issue, about credit unions and credit counseling. Some credit unions have, as a benefit, access to credit counseling resources that they've vetted as good ones. Mine, for example, had a link to Balance Financial Fitness Program https://www.balancepro.net/and that looked like a good site, with money management and debt management sections. What stood out was that they have email and phone access to counselors, which could be helpful if you're trying to make financial decisions when there's some stress or BP issues going on. cm
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