AICCCA Advises Consumers to Avoid Vacation Debt

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Make a plan to keep your debt load from growing over the summer.

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Ask yourself three key questions to keep from adding to your debt load over the summer.

The Association of Independent Consumer Credit Counseling Agencies are urging consumers to avoid problem vacation debt that counselors say they see every fall. In order to do so, consumers need a plan to keep from adding to their debt loads.

AICCCA says to ask yourself three questions to begin:

How much have we saved? Determining your budget is the key to avoiding vacation debt. Calculate what you will have saved before your scheduled vacation and then plan your trip and activities based on that total.

Do our expectations match our budget? While a Hawaiian beach vacation may sound great, if your budget won’t allow it you may have to consider a beach closer to home. By compromising on location, you may be able to upgrade your lodging or add an excursion to the trip. The main thing is keep your expenses within the funds you have allocated for your vacation.

Can we stay home and still have fun? Should you find that your budget simply won’t allow traveling for vacation, you can still enjoy time off from your normal daily routine. Become a tourist in your own city or town and take advantage of the cultural and fun venues that are in your own back yard.

If you need help planning for your vacation, AICCCA counselors are available nationwide with free budgeting advice. Call 866-703-8787 to find a member office.

AICCCA: Founded in 1993, Association of Independent Consumer Credit Counseling Agencies is a national membership organization established to promote quality and professional delivery of credit counseling services. AICCCA and its members are focused on financial education, efficient processes and advanced technology to best serve clients and creditors. AICCCA members are independent nonprofit agencies that advocate for debtors, annually counsel millions of consumers nationwide and provide debt management services to consumers with excessive unsecured debt. To contact an AICCCA member agency call (866) 703-TRUSTAICCCA (866-703-8787) or visit

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Shari Bedker
Association of Independent Consumer Credit Counseling Agencies (AICCCA)
since: 12/2010
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