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General Loan Requirements 1. Complete The Application Itâs a good idea to try to solve your debt problems with your creditors as soon as you realize you wonât be able to make your payments. If you canât resolve your credit problems yourself or need additional help, you may want to contact a credit counseling service. There are nonprofit organizations in every state that counsel and educate individuals and families on debt problems, budgeting and using credit wisely. There is little or no cost for these services. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. Check the white pages of your telephone directory for a service near you.
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