When you head out to work in the morning this time of year, the temperature is a bit more comfortable that it was a week or so ago. Some days it's even cool. That means it's back-to-school time. It can also be an opportune time for credit unions.

Something to consider would be small-dollar loans to help pay for all the No. 2 pencils and loose leaf paper. Bankrate.com reported that PriceGrabber found that 48% of parents plan to spend $250 or more on back-to-school shopping this year.

At a household where a parent may be out of work or underemployed, that small amount of money can mean a lot. As many of you know nothing binds ties like helping parents take care of their children.

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