A member was looking to get out of debt and manage her credit cards in a financially responsible way. She had approximately $6,000 in debt and owned a vehicle that was free and clear. We were able to consolidate her debt using her car as collateral. With this loan consolidation, she saved at least $200/month in her payment obligations while cutting her average rate from a variable 20% to 4.74%. Through the process, we counseled her in managing her money and she now has funds freed up to save for a future down payment on a home.