
Life Over Debt is a powerful alliance of credit unions led by Andy Janning that offers holistic support to members facing the overwhelming financial burden of a cancer diagnosis.
It empowers credit unions to truly make a difference through:
- Debt relief programs – Pausing installment, auto, mortgage, credit card, or personal loan payments and interest for up to 18 months.
- Cancer care loans – Zero‑payment, zero‑interest loans for 6 months to ease immediate financial stress.
- Specialized financial counseling – Tailored guidance from Certified Credit Union Financial Counselors, informed by medical and behavioral research.
- Staff training – Webinars and resources that prepare front‑line teams to support members navigating cancer‑related financial toxicity.
- Member stories & advocacy – Compelling narratives and data to inspire communities and influence policy.
- Groundbreaking research – Partnering with scientists from the University of Alabama-Birmingham to measure the effects of these interventions, a first in the history of financial services.
The initiative equips credit unions with the practical tools, research, and compassionate framework needed to support members through one of life’s toughest challenges.
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