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Financial Education

S.G.F provides a range of consumer financial education resources. Our Payday Loan Consolidation Program is vailable to help guide you in all aspects of personal money management and help improve financial literacy.

We have developed a number of financial topics that you should find helpful in your efforts to improve your personal financial situation. We believe in educating our clients on the do’s and don’ts of financial planning, which plays an important role in becoming and remaining
DEBT FREE!!!!

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Payday Loan Nightmares

Did you know that payday loans are not regulated by the FDIC? Therefore they are able to charge Outlandish amounts in interest. For example: APR’s on short term payday loans can range on average From 300-690%.
! If you can only afford to pay renewal fees you ARE paying very high rates. Always review the fine print on your Contract and find out what you are paying BEFORE you take out a payday loan.

  • Most consumers do not realize that some of the payday loan providers can report non payments to the credit bureaus having an adverse affect on your credit
  • Most consumers do not realize that if you cannot pay back a payday loan when it is due you will most likely be paying a ‘renewal’ or ‘rollover’ fee every two weeks which often does not go towards the principle you borrowed
  • Did you know that payday loan lenders can become very aggressive with collection tactics if you default on your loans? Such as harassing phone calls to your home or work, attempts to garnish your wages or take you to small claims court. Some lenders will go as far as showing up in person to your home or work place

What is a Payday Loan?

SGF will take the time to carefully guide each client on how to get out of the payday loan loop. Through our experience, we have developed a formula that will enable our clients to regain control of their finances. We will show you how prevent the creditors from hacking into your checking account in addition to your paychecks. We understand that you have encountered financial Hardship. However, we will successfully put an end to the payday loan lenders taking advantage of you.