Financial Health Score

Credit: Fair
Debt: Moderate
Stability: Improving

68
Financial Score

Debt Snapshot

Total Debt: $8,450

Payment: $410

APR: 24.99%

Debt payments account for 25% of your monthly spending,
indicating a high financial burden.

$3,000
Monthly Spend
● Housing — $1,050
● Debt Payments — $750
● Food & Dining — $540
● Transportation — $360
● Other — $300

Smart Insight

Your credit utilization is above optimal levels.
Reducing it below 50% could improve your score within 2–3 months

Your Next Actions

Priority Areas

Completed This Month

Reduce credit card utilization below 50%
Made all scheduled payments on time
Prioritize repayment of highest APR debt
Avoided new credit applications
Lower non-essential spending by $120
Reviewed monthly spending breakdown
Start a minimum emergency fund of $100
Connected account for financial tracking
Complete the budgeting basics lesson
Activated personalized repayment plan

Need help managing debt?

You may be eligible for a lower-interest consolidation plan through Parachute.

Check eligibility