The St. Joseph's difference A lot of members still (wrongly) think that in order to qualify for a particular loan at St. Joe's, you need to have at least a third in savings / shares. This is a myth!

Following the end-of-year spending splurge, return-to-school expenses and a host of other bills, families can sometimes find they have multiple and expensive debts to repay each and every month.

But instead of stressing, there is another way to make debt manageable again.