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SWU celebrates ‘Class of 2013’

CENTRAL — More than 300 graduates received their associate, bachelor’s and master’s degrees during three ceremonies at Southern Wesleyan University in Central.

Each ceremony began with a processional along Wesleyan Drive, as students, anticipating their new degrees, were led by the City of Greenville Pipes and Drums, playing “Scotland the Brave.” The musical aspect of this celebration continued inside with inspirational music from the University Singers.

“The heart of the university’s mission and purpose is most evidenced through the teaching and mentoring the students receive from our faculty,” said Todd Voss, university president, in his opening remarks. “The scholarship and commitment of our faculty to their students and their faith in Christ in the classroom and throughout the learning process is the substance of this university and what we strive to fulfill.”

The commencement speaker was Rev. Ken Dupin, who has served as a pastor in The Wesleyan Church for 31 years and is a research fellow at Virginia Tech’s Corporate Research Center. In 2008, Dupin founded N2Care, a result of his Ph.D. research and his passion for issues affecting the aging population. N2Care’s team under Dupin’s leadership created the MEDCottage, an innovation the media has affectionately called the “granny pod.”

Dupin shared about how in midlife he began observing successful people. He found a common denominator was that they have experienced times of sacrifice somewhere in their lives.

“Sacrifice generates passion. No change is greater than your willingness to make a sacrifice, but if there is no sacrifice, you end up blaming other people for your mediocrity. Whatever your dream is today, dream it. Don’t be afraid to sacrifice. The greater the sacrifice, the greater the opportunity,” concluded Dupin.

Southern Wesleyan University President Todd Voss presented Dupin an honorary doctorate for his achievements.

Students graduating from the university’s traditional program participated in a ceremony May 10, while students enrolled in the adult evening program participated in two ceremonies May 11. Each ceremony took place in the auditorium of Newton Hobson Chapel and Fine Arts Center.

Southern Wesleyan University graduates included:

In South Carolina

Anderson

Nolan Black, Master of Education in Administration and Supervision; Andrew Debo, Bachelor of Science in Business Administration; Brenda Dutton, Bachelor of Science in Business Management; Meagan James, Bachelor of Science in Criminal Justice; Amanda Jones, Bachelor of Science in Biology; Travis Peacock, Bachelor of Science in Business Management; Mo Seay, Master of Business Administration; Ricos Wright, Bachelor of Science in Business Administration.

Central

Amy Agosti, Bachelor of Science in Business Management; Dawn Bright, Bachelor of Science in Elementary Education; Chloe Bryant, Bachelor of Science in Psychology; Wayne Evans, Bachelor of Science in Business Management; Sofia Gomez, Bachelor of Arts in Biology; Stephanie Lee, Bachelor of Science in Biology; Nicolas Luque Cifuentes, Bachelor of Science in Psychology; Thomas Parham, Bachelor of Science in Business Administration; Aimee Springer, Bachelor of Science in Biology.

Clemson

Veronica Clampitt, Bachelor of Arts in English; Amanda Robinson, Bachelor of Science - Specialized Major: Exercise Science; Ashley Robinson, Bachelor of Science in Mathematics; Jared Wigington, Bachelor of Arts in English.

Easley

Bambi Anthony, Master of Education in Classroom Leadership; Derek Brown, Bachelor of Science in Business Management; Linda Caraway, Bachelor of Science in Elementary Education; Cory Dodgens, Bachelor of Arts in Music; Chris Everhart, Associate of Science in Business; Mark Haller, Master of Business Administration; Timothy Hiott, Master of Education in Administration and Supervision; Stacy Huff, Master of Education in Classroom Leadership; Erica James, Bachelor of Science in Business Management; Todd Jones, Bachelor of Science in Business Administration; A.J. Millis, Bachelor of Science in Physical Education; Nathaniel Nauss, Bachelor of Science in Business Management; Kelley Norwine, Master of Ministry; Justin Patterson, Bachelor of Science in Physical Education; Mike Revis, Bachelor of Science in Business Management; Kristen Ridley, Bachelor of Science in Early Childhood Education; Hayley Smith, Bachelor of Science in Criminal Justice; Amy White, Master of Education in Classroom Leadership; Megan Williams, Master of Education in Classroom Leadership; Quincy Williams, Bachelor of Science Business Management; Kelli Willimon, Master of Education in Administration and Supervision; Christopher Willis, Bachelor of Science in Applied Computer Science.

Honea Path

Jonathan Martin, Bachelor of Science in Business Management.

La France

Samantha McCraw, Bachelor of Arts in Music.

Liberty

Emily Cothran, Bachelor of Science in Early Childhood Education; Derrick Craft, Bachelor of Science in Business Administration; Terry Patterson, Bachelor of Science in Physical Education; Phillip Powell, Bachelor of Science in Business Administration; Tassie Prezzia, Bachelor of Science in Elementary Education; Rachel Smith, Bachelor of Arts in Music; Sarah Smith, Bachelor of Arts in Music; Daniel Swords, Bachelor of Science Business Administration; Joseph Taylor, Bachelor of Science in Applied Computer Science; Erica Winkler, Master of Education in Classroom Leadership.

Pelzer

RicaRose Conover, Master of Business Administration; Pam DeYoung, Associate of Science in Business; Jennifer McCurley, Bachelor of Science in Special Education.

Pendleton

Kristen Hughes, Bachelor of Science in Biology; Neva Knotts, Associate of Science in Business; Bradley Peay. Bachelor of Science in Business Management; Dystinie Russell, Bachelor of Science in Business Administration; Kathryn Schall, Bachelor of Science in Criminal Justice; Brandon Webb, Bachelor of Science in Criminal Justice.

Pickens

Matt Blackwell, Bachelor of Science in Pre Medicine/Dentistry; Patty Carr, Master of Education in Classroom Leadership; Bart Cone, Bachelor of Science in Applied Computer Science; Carlin Grant, Bachelor of Science in Biology; Wes Hendricks, Master of Education in Administration and Supervision; Margaret Holder, Bachelor of Science in Business Management; Carrie Howard, Bachelor of Science in Business Administration; Brandon Looper, Bachelor of Arts in Recreation and Leisure Services; Joseph Morgan, Bachelor of Science in Business Management; Kendall Ray, Bachelor of Arts in Recreation and Leisure Services; Katie Stillwell, Bachelor of Science in Social Science; Jennifer Trotter, Master of Education in Classroom Leadership.

Piedmont

Laura Young, Bachelor of Science in Business Management.

Six Mile

Randy Hammers, Bachelor of Science in Business Management; Melissa Parker, Master of Education in Administration and Supervision.

With regional education centers conveniently located across South Carolina, as well as fully online programs for select degrees, Southern Wesleyan University is a Christ-centered, student-focused learning community devoted to transforming lives by challenging students to be dedicated scholars and servant-leaders who impact the world for Christ.

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Strategies for managing and reducing debt
by Brandpoint (ARA) Sponsored Content
Jun 19, 2013 | 842 views | 0 0 comments | 59 59 recommendations | email to a friend | print
(BPT) - Are you feeling overwhelmed by your monthly bills? Do you only pay the minimum on your credit cards each month, or use several credit cards to spread out your debt? These are all warning signs that your habits may be keeping you from reaching your financial goals. The good news is, you can take steps to manage your debt and gradually reduce it over time.
Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt – credit cards, car payments, mortgage or rent, student loans – to help you determine where you are and which obligations have priority. These tips from Wells Fargo can help you responsibly manage your debt and strengthen your credit situation.
* Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.
* Prioritizing payments:  Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you’ve paid off the credit card with the highest interest rate, put that money toward the next highest.
* Calling creditors: If you can’t make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised – many creditors will be willing to work with you to find a solution.
* Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn’t an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.
* Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling, www.nfcc.org.
* Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender – you’ll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month. 
There is hope if you are in debt. Creating a manageable plan to chart a path out of debt can give you confidence in knowing that you are in control of your finances and improving your credit health. For more information, visit the Wells Fargo Smarter Credit Center, www.WellsFargo.com/smarter_credit.
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Strategies for managing and reducing debt
by Brandpoint (ARA) Sponsored Content
Jun 19, 2013 | 842 views | 0 0 comments | 59 59 recommendations | email to a friend | print
(BPT) - Are you feeling overwhelmed by your monthly bills? Do you only pay the minimum on your credit cards each month, or use several credit cards to spread out your debt? These are all warning signs that your habits may be keeping you from reaching your financial goals. The good news is, you can take steps to manage your debt and gradually reduce it over time.
Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt – credit cards, car payments, mortgage or rent, student loans – to help you determine where you are and which obligations have priority. These tips from Wells Fargo can help you responsibly manage your debt and strengthen your credit situation.
* Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.
* Prioritizing payments:  Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you’ve paid off the credit card with the highest interest rate, put that money toward the next highest.
* Calling creditors: If you can’t make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised – many creditors will be willing to work with you to find a solution.
* Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn’t an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.
* Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling, www.nfcc.org.
* Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender – you’ll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month. 
There is hope if you are in debt. Creating a manageable plan to chart a path out of debt can give you confidence in knowing that you are in control of your finances and improving your credit health. For more information, visit the Wells Fargo Smarter Credit Center, www.WellsFargo.com/smarter_credit.
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Strategies for managing and reducing debt
by Brandpoint (ARA) Sponsored Content
Jun 19, 2013 | 842 views | 0 0 comments | 59 59 recommendations | email to a friend | print
(BPT) - Are you feeling overwhelmed by your monthly bills? Do you only pay the minimum on your credit cards each month, or use several credit cards to spread out your debt? These are all warning signs that your habits may be keeping you from reaching your financial goals. The good news is, you can take steps to manage your debt and gradually reduce it over time.
Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt – credit cards, car payments, mortgage or rent, student loans – to help you determine where you are and which obligations have priority. These tips from Wells Fargo can help you responsibly manage your debt and strengthen your credit situation.
* Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.
* Prioritizing payments:  Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you’ve paid off the credit card with the highest interest rate, put that money toward the next highest.
* Calling creditors: If you can’t make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised – many creditors will be willing to work with you to find a solution.
* Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn’t an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.
* Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling, www.nfcc.org.
* Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender – you’ll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month. 
There is hope if you are in debt. Creating a manageable plan to chart a path out of debt can give you confidence in knowing that you are in control of your finances and improving your credit health. For more information, visit the Wells Fargo Smarter Credit Center, www.WellsFargo.com/smarter_credit.
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Strategies for managing and reducing debt
by Brandpoint (ARA) Sponsored Content
Jun 19, 2013 | 842 views | 0 0 comments | 59 59 recommendations | email to a friend | print
(BPT) - Are you feeling overwhelmed by your monthly bills? Do you only pay the minimum on your credit cards each month, or use several credit cards to spread out your debt? These are all warning signs that your habits may be keeping you from reaching your financial goals. The good news is, you can take steps to manage your debt and gradually reduce it over time.
Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt – credit cards, car payments, mortgage or rent, student loans – to help you determine where you are and which obligations have priority. These tips from Wells Fargo can help you responsibly manage your debt and strengthen your credit situation.
* Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.
* Prioritizing payments:  Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you’ve paid off the credit card with the highest interest rate, put that money toward the next highest.
* Calling creditors: If you can’t make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised – many creditors will be willing to work with you to find a solution.
* Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn’t an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.
* Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling, www.nfcc.org.
* Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender – you’ll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month. 
There is hope if you are in debt. Creating a manageable plan to chart a path out of debt can give you confidence in knowing that you are in control of your finances and improving your credit health. For more information, visit the Wells Fargo Smarter Credit Center, www.WellsFargo.com/smarter_credit.
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Strategies for managing and reducing debt
by Brandpoint (ARA) Sponsored Content
Jun 19, 2013 | 842 views | 0 0 comments | 59 59 recommendations | email to a friend | print
(BPT) - Are you feeling overwhelmed by your monthly bills? Do you only pay the minimum on your credit cards each month, or use several credit cards to spread out your debt? These are all warning signs that your habits may be keeping you from reaching your financial goals. The good news is, you can take steps to manage your debt and gradually reduce it over time.
Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt – credit cards, car payments, mortgage or rent, student loans – to help you determine where you are and which obligations have priority. These tips from Wells Fargo can help you responsibly manage your debt and strengthen your credit situation.
* Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.
* Prioritizing payments:  Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you’ve paid off the credit card with the highest interest rate, put that money toward the next highest.
* Calling creditors: If you can’t make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised – many creditors will be willing to work with you to find a solution.
* Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn’t an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.
* Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling, www.nfcc.org.
* Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender – you’ll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month. 
There is hope if you are in debt. Creating a manageable plan to chart a path out of debt can give you confidence in knowing that you are in control of your finances and improving your credit health. For more information, visit the Wells Fargo Smarter Credit Center, www.WellsFargo.com/smarter_credit.
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Strategies for managing and reducing debt
by Brandpoint (ARA) Sponsored Content
Jun 19, 2013 | 842 views | 0 0 comments | 59 59 recommendations | email to a friend | print
(BPT) - Are you feeling overwhelmed by your monthly bills? Do you only pay the minimum on your credit cards each month, or use several credit cards to spread out your debt? These are all warning signs that your habits may be keeping you from reaching your financial goals. The good news is, you can take steps to manage your debt and gradually reduce it over time.
Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt – credit cards, car payments, mortgage or rent, student loans – to help you determine where you are and which obligations have priority. These tips from Wells Fargo can help you responsibly manage your debt and strengthen your credit situation.
* Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.
* Prioritizing payments:  Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you’ve paid off the credit card with the highest interest rate, put that money toward the next highest.
* Calling creditors: If you can’t make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised – many creditors will be willing to work with you to find a solution.
* Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn’t an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.
* Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling, www.nfcc.org.
* Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender – you’ll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month. 
There is hope if you are in debt. Creating a manageable plan to chart a path out of debt can give you confidence in knowing that you are in control of your finances and improving your credit health. For more information, visit the Wells Fargo Smarter Credit Center, www.WellsFargo.com/smarter_credit.
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Strategies for managing and reducing debt
by Brandpoint (ARA) Sponsored Content
Jun 19, 2013 | 842 views | 0 0 comments | 59 59 recommendations | email to a friend | print
(BPT) - Are you feeling overwhelmed by your monthly bills? Do you only pay the minimum on your credit cards each month, or use several credit cards to spread out your debt? These are all warning signs that your habits may be keeping you from reaching your financial goals. The good news is, you can take steps to manage your debt and gradually reduce it over time.
Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt – credit cards, car payments, mortgage or rent, student loans – to help you determine where you are and which obligations have priority. These tips from Wells Fargo can help you responsibly manage your debt and strengthen your credit situation.
* Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.
* Prioritizing payments:  Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you’ve paid off the credit card with the highest interest rate, put that money toward the next highest.
* Calling creditors: If you can’t make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised – many creditors will be willing to work with you to find a solution.
* Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn’t an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.
* Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling, www.nfcc.org.
* Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender – you’ll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month. 
There is hope if you are in debt. Creating a manageable plan to chart a path out of debt can give you confidence in knowing that you are in control of your finances and improving your credit health. For more information, visit the Wells Fargo Smarter Credit Center, www.WellsFargo.com/smarter_credit.
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