Resources for Financial Help Skyward is always here to help you.
Furloughs, layoffs, and loss of income
We know it's hard to keep your head above water when drastic changes happen to your income. But, as your credit union we are dedicated to helping you not only during good times but also through the bad times. Give us a call! We're here to help.
When you can't make regular payments
When your change in income makes it necessary to cut back on payment obligations, communicating about your situation is the best option.
- The first step is to contact us and let us know your circumstances. The more upfront you can be, the easier it is for us to provide options for debt consolidation, rate reductions, or restructuring your repayment period in order to lower payments.
- Keep in touch with us. Let us know if your situation changes. Updates prevent negative surprises for everyone.
What’s going on in your life right now?
- Bankruptcy (After)
- Bankruptcy (Before)
- Caregiving (Children | Spouses | Parents)
- Death of Household Member | Bereavement
- Disability (New or Worsening)
- Divorce | Separation
- Domestic Violence & Financial Abuse
- Eldercare & Aging Parents
- Fraud
- Gambling Problems | Financial Stress
- Home Purchase
- Housing Crisis (Eviction Risk | Mortgage Stress)
- Identity Theft | Account Takeover
- Immigration & Legal Status Changes
- Incarceration | Reentry
- Job Loss | Furlough | Income Disruption
- Legal Challenges (Lawsuits | Garnishments | Taxes)
- Life Events (Weddings | Births | Adoption | Foster Placement)
- Medical Emergency | Major Illness
- Mental Health Crisis | Substance Use Crisis
- Military Deployment & Service Changes
- Natural Disaster (Tornado | Flood | Wildfire)
- Pandemics & Public Health Emergencies
- Starting a Business
- Student Loan Support
- Transportation Disruptions
Bankruptcy (After)
We can walk through what this means and how to rebuild.
How we can help
- Discuss account impacts and next steps
- Credit-building strategies
Resources
Bankruptcy (Before)
It can be hard to visualize a stable financial future when considering or going through bankruptcy.
How we can help
- Look into the possibility of deferments, re-aging, loan modification, loan refinancing/consolidation, or the possible sale of collateral
- Provide an educational consultation on how bankruptcy affects loans, credit, and their relationship with Skyward CU
Resources
Caregiving (Children | Spouses | Parents)
Balancing work, family, and expenses is tough. We offer budgeting help, loan options, and flexible account options, plus resources to understand your rights like FMLA.
How we can help
- Payment relief
- Loan options
- Certain fee waivers
Resources
Death of Household Member | Bereavement
The loss of a family member can affect finances and account ownership. We're very sorry for your loss. We can walk through what needs to happen first.
How we can help
- Payment relief and fee waivers
- Estate and account guidance
Resources
Disability (New or Worsening)
A new or worsening disability can reduce the ability to work and directly impact finances. Let's plan for what’s realistic now and in the long term.
How we can help
- Immediate payment relief
Resources
Divorce | Separation
Separating finances can be complex. Planning early helps protect your financial future.
How we can help
- Payment relief
- Loan options
- Account options
Resources
Domestic Violence & Financial Abuse
Your safety comes first. We follow strict protocols to protect your privacy, provide emergency access, and connect you with legal and safety resources.
How we can help
- Update contact information
- Consider account changes
- Certain fee waivers
- Loan options
Resources
Eldercare & Aging Parents
Caring for aging family members can be overwhelming. We can help you focus on what matters most.
How we can help
- Certain fee relief
- Set trusted contacts
Resources
Fraud
Unauthorized transactions or compromised account access can swiftly impact your finances. We’ll secure your account first, then help you recover and add protections going forward.
How we can help
- Secure accounts (new cards, passwords, accounts, contacts)
- File disputes and provide recovery steps
- Add extra account protections and alerts (eDocuments)
- Account options
Resources
Gambling Problems | Financial Stress
Gambling can become more than entertainment when it begins affecting your ability to pay bills, manage debt, or meet every day financial needs. If gambling is creating financial stress for you or your family, help is available.
How we can help
- Talk through immediate financial concerns
- Review payment or loan options that may be available
Resources
Home Purchase
Buying a home is one of the biggest financial decisions you’ll make.
How we can help
- Mortgage options
- Mortgage Loan Officer
- Mortgage calculator
- Homebuying toolkit
Resources
Housing Crisis (Eviction Risk | Mortgage Stress)
If you’re behind on housing payments or worried about eviction, acting early can make a big difference. Housing is a priority. Contact us today to explore your options.
How we can help
- Certain fee waivers
- Mortgage assistance options
Resources
Identity Theft | Account Takeover
Fraudulent use of personal or account information can take a toll on finances. Let’s secure your accounts first. Then we’ll walk through recovery step by step.
How we can help
- Skyward password/paraphrase updates
- Account options
- Loan review
- Certain fee waivers
Resources
Immigration & Legal Status Changes
Facing immigration or legal challenges? We'll guide you to trusted legal resources to make sure you have the right support.
How we can help
- Account updates
- Loan options/updates
Resources
Incarceration | Reentry
We can help stabilize essentials now and plan for reentry steps when you’re ready.
How we can help
- Power of Attorney
- Certain fee waivers
- Loan options
Resources
Job Loss | Furlough | Income Disruption
Losing a job or experiencing reduced income can quickly impact your ability to keep up with bills. Talk with a team member about your options. The earlier you reach out, the more flexibility we may have.
How we can help
- Certain fee waivers
- Payment relief
- Loan options
Resources
Legal Challenges (Lawsuits | Garnishments | Taxes)
Unexpected legal issues can strain your finances. Let's work together to help you manage these challenges confidently.
How we can help
- Loan options
Resources
Life Events (Weddings | Births | Adoption | Foster Placement)
Big life milestones come with planning and expenses. We will help you celebrate life’s moments with less stress.
How we can help
- Loan options
- Account options
Resources
Medical Emergency | Major Illness
Unexpected medical expenses can disrupt even the most stable finances. Whether it’s a sudden illness or ongoing care, support is available. You don’t need to navigate this alone. Let’s talk through your options.
How we can help
- Payment relief
- Certain fee waivers
Resources
Mental Health Crisis | Substance Use Crisis
Your well-being comes first. Financial concerns can wait while you get support. We can help reduce financial stress once you're ready.
Immediate help
Military Deployment & Service Changes
Serving our country comes with unique financial challenges. We can help make sure your finances stay on track.
How we can help
- Payment relief
- Loan review options
Resources
Natural Disaster (Tornado | Flood | Wildfire)
Recovering from a disaster takes time, and financial flexibility matters. Your safety comes first. Then we’ll prioritize housing and transportation so you can keep working.
How we can help
- Certain fee waivers
Resources
Pandemics & Public Health Emergencies
Life can change overnight. Our team can support you to keep your finances stable during wide-scale disruptions.
How we can help
- Certain fee waivers
- Payment relief
Resources
Starting a Business
Launching a business is exciting, but it requires planning and the right financial tools.
How we can help
- Account options
Resources
Student Loan Support
Feeling overwhelmed by loans? We help you explore repayment options, budget wisely, and avoid predatory refinancing, connecting you to official federal resources.
How we can help
Resources
Transportation Disruptions
Car troubles or public transit issues can throw your schedule off. We offer loans, Skip-A-Pay options and connections to local transit services so you can get moving again.
How we can help
- Loan options
- Skip-A-Pay Program
- Payment relief