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Financial Education (Balance)

Whether you're interested in developing a workable spending and savings plan, getting out of debt, taking a look at your credit report, buying a home, or planning for your financial future, Cal State L.A. Federal Credit Union wants to help. That's why we've provided access to free and confidential financial counseling and education through BALANCE.

Toll-free InfoLine: 888-456-2227

Hours: Monday through Thursday 5am–8pm, Friday 5am–5pm, and Saturday 8am–5pm

Who is BALANCE?

Cal State LA Federal Credit Union partners with BALANCE to provide our members with professional assistance with all aspects of personal finance. In many cases, BALANCE counselors can answer your questions immediately. All BALANCE counselors are required to successfully complete 160 hours of training and become certified as credit counselors. The certification examination and corresponding study materials were developed in conjunction with Purdue University, and cover consumer protection, spending plans and budgeting, creditor and legal policies and practices, credit and debt management, and counseling principles. BALANCE staff includes BAs, MAs, JDs, MSWs, Certified Financial Planners and certified credit report reviewers. Ongoing training for the entire BALANCE staff is conducted monthly on topics ranging from student loan repayment regulations to techniques for helping our clients manage a financial crisis.

Handling financial matters is an essential part of life, one that is unfortunately seldom taught in school. The mini-sites below provide in-depth information about important situations that many of us face and wish we knew more about, such as buying a house and preventing and recovering from identity theft.

Identity Theft Solutions
There are preventative measures you can take to substantially reduce the chance of identity theft occurring, as well as steps to recover from any damage if you are a victim.
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The Road To Homeownership
Buying a first home is exciting, but can feel overwhelming too. Through preparation and understanding the home buying process, you can achieve your dream of homeownership.
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Early Delinquency Intervention
There are many reasons homeowners face difficulty in making mortgage payments. Whatever the reason, it is important to be informed of all available options and to act quickly.
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Life After Foreclosure
Going through a foreclosure can be difficult, but you can make a fresh start with your personal finances.
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A Guide to Reverse Mortgages
A reverse mortgage provides a way for seniors to get cash from the equity in their homes without having to make monthly payments or move.
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Dream It and Achieve It: How to Set and Attain Financial Goals
You can make achieving your financial goals a reality through making a simple plan and using the power of time.
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Apply for a Membership

We welcome CSULA students, staff and faculty as well as residents from the surrounding communities. Find out your eligibility and join us today!

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We have a loan for almost any situation, so feel free to browse our loan products and serivces or apply now if you're ready!