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Education Center

Resources & Knowledge for a Secure Financial Future

Take Charge America is dedicated to improving financial literacy among people from all backgrounds facing a variety of financial challenges. Bookmark this page to reference whenever you have a financial question, concern, or opportunity.

Budgeting Guidance, By Popular Demand

Negotiating Credit Card Interest Rates

Are your credit card rates negotiable? What power do you have? We explore the do’s, don’ts and possibilities if you choose to reach out to your creditors.

Planning for Variable & Periodic Expenses

If your income is inconsistent—like a freelancer, gig worker, or tipped employee—it can be difficult to budget. Here, we offer practical guidance.

Next Steps: Life After Debt

It’s not easy to overcome debt, and the achievement should be celebrated. Learn what financial steps to take once your balances hit zero.

Financial Skills for Young Adults

The financial skills we learn as young adults lay the foundation for long-term security. Learn the fundamentals for financial success.

Precautions for Co-signers

A home equity loan can offer low interest, but it makes your home collateral. Learn what co-signers should know to stay protected.

Strategies for Paying Off Credit Cards

From the snowball to avalanche method and more, discover the most effective strategies based on your credit card debt and interest levels.

Financial Calculators

How long will it take to pay off my credit card?
How much am I spending on household and living expenses?
How much do I need in my emergency fund?
What are my annual cash flow projections?
What is the impact of withdrawing from my 401k?

Resources to Overcome Life’s Challenges

Financial, Legal & Health

We understand how financial struggles can impact many areas of your life. We’ve compiled a list of organizations offering consumer services and support.

Veterans

Veterans can face unique financial and lifestyle challenges following their military service. We’ve compiled a list of resources to help them navigate those difficulties.

Start Your Free Credit Counseling Session

You can regain control of your money and peace of mind.

  • Available online 24/7
  • Save your progress & return later
  • Easy process with clear instruction
  • Download credit report summary

Need Help? Call Us
Monday – Friday, 6 AM – 6 PM MST
866-528-0588

EACH YEAR, Thousands Trust TCA to Eliminate Credit Card Debt and Regain Financial Freedom

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Empowering Millions to Achieve Financial Freedom

Need Help? Contact Us

Have questions or need support? Our team is here to assist you.

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