debt

Something Needs to Change

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If Patty ever found herself in a financial bind while growing up, she knew she could rely on her dad for a couple bucks.

“I’d always tell my dad, ‘Hey Daddy . . . I need a $20, I want to go to dinner,’” Patty said. Her dad would remind her money didn’t grow on trees, but despite his reluctance, he would still open his wallet.

Watch Patty’s inspiring story and see how she was empowered to take control of her money!




In college, Patty thought just because she didn’t have bills to cover, she had the ability to spend most of her income.

“I didn’t have any bills . . . I didn’t have a car, so I just spent a lot of money on clothes and shopping, and didn’t really think about it,” she said.

When it came time to move out on her own, Patty realized she didn’t have enough money to furnish her new apartment. So she got a credit card. And when the money in her checking account would run dry, she’d still go out and socialize—after all, her credit card had her back.

Or so she thought.

She couldn’t keep up with that lifestyle forever. Her credit cards were maxed out and she was behind on her rent. She didn’t know where to turn.

“I would stay up at night crying. It got to the point where I couldn’t feed myself,” Patty said. “All I did was work, study for the bar exam, and I didn’t pay on my credit cards at all that summer.”

When Patty was at her breaking point, a friend suggested she go to Financial Peace University. She was in tears after the first class. Her situation looked bleak, and she wasn’t sure how to even begin the process of becoming debt-free. Her FPU coordinator encouraged her to simply give the class a chance and then see what improvement she could make by the time the class was over.

To Patty’s surprise and delight, she paid off $9,000 in nine weeks!

“If anyone had told me I would do that, I would have laughed and said, ‘You’re crazy! I haven’t even made $9,000 this year,’” Patty said.

Due to the hope and plan she found through FPU, Patty is on track to pay off $35,000 of consumer debt in a little over a year!

Financial Peace University has equipped almost 5 million people with the tools they need to make a change and get out of debt—are you next?

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