Debt Consolidation in Action: Hawaii

Maintaining financial stability in spite of debt to achieve success.

When it comes to looking at household debt loads broken down by state, Hawaiians have it almost as good as the tropical location they live in. Student debt and credit card debt levels are both lower than the national average. Fewer homes are still struggling to regain equity after the market crash – only 6 in every 100 homes are underwater today.

Still, that doesn’t mean Hawaiians don’t have problems with debt. They just tend to be proactive about finding solutions to regain control. The information below can help you understand personal debt in Hawaii, and how some residents have found success with the help of a certified credit counselor. If you’re struggling, take action to get the help you need. Call Consolidated Credit at or complete an online application to request a free, confidential debt analysis today.

Debt Statistics in Hawaii

Here’s a quick look at the situation Hawaiians currently face when it comes to personal debt. Every situation is different, but this can help you see how you stack up against your neighbors:

[1] http://www.washingtonpost.com/blogs/govbeat/wp/2013/08/20/ranking-the-states-credit-card-debt/

All other statistics brought to you by America’s Voice on Debt (AVOD)

Credit Counseling in Action for Hawaii residents

Struggling with debt? You’re not alone. The following testimonials and corresponding case studies come from real clients of Consolidated Credit who live in Hawaii that have found relief from credit card debt with our help.

This is a great service! They’re always very helpful whenever I have a question.

Where he started:

  • Total unsecured debt: $37,083.45
  • Estimated interest charges: $21,491.50
  • Time to payoff: 14 years, 7 months
  • Total monthly payments: $1,483.34

After DMP enrollment:

  • Average negotiated interest rate: 8.50%
  • Total interest charges: $5,973.73
  • Time to payoff: 4 years
  • Total monthly payment: $897.00
Time Saved:
10 years, 7 months
Monthly Savings:
$586.34
Interest Saved:
$15,517.77
I love the lower monthly payments and lower interest charges. It makes everything so much easier.

Where she started:

  • Total unsecured debt: $12,614.00
  • Estimated interest charges: $7,188.72
  • Time to payoff: 11 years, 11 months
  • Total monthly payments: $504.56

After DMP enrollment:

  • Average negotiated interest rate: 10.63%
  • Total interest charges: $3,452.21
  • Time to payoff: 4 years, 4 months
  • Total monthly payment: $312.00
Time Saved:
7 years, 7 months
Monthly Savings:
$192.56
Interest Saved:
$3,736.51

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

You can save!

With this amount of debt, you'd pay around $xx.xx on a DMP.

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