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Debt restructure loan, debt consolidation

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Debt Restructure Loan

A Debt Restructure Loan consolidates your debts into a single loan with one monthly payment and a fixed interest rate that is typically much lower than your existing interest rates. You can combine existing debt from high interest credit cards, student loans, medical bills, and more.

  • Convert high rate loans into one loan with manageable monthly payments
  • Loans up to $20,000
  • Fixed low rates
  • Payoff terms up to 60 months
Type Rates APR* Term (months)
Debt Restructure Loan As Low As 10.99% Up to 60 Months

Three Easy Ways to Apply:
Apply Online 24/7
Call (800) 282-3006, Option 5, during business hours
Print a loan application [PDF document] and fax, mail, or deliver it to us.

Apply Online button


*APR=Annual Percentage Rate. Debt Restructure Loans-As low as rate is based on credit history, credit qualifications, and approval. Actual rate will be determined by actual credit score. Term of loan will be determined by amount borrowed. Maximum limit is $20,000. All consolidated debt must be paid off and closed with this loan program. Rates, terms, and conditions may apply and are subject to change without notice. Ex:Debt Restructure Loan Amount=$20,000, Term=60 Months, APR=10.99%, Payment=$434.98. Membership eligibility is required for all loans with SHPFCU. Call the Credit Union for more details.


Your family members may be eligible, too!
Your immediate family is eligible to join State Highway Patrol Federal Credit Union and get the benefits of membership. Some restrictions may apply. Contact us for details.