When NuMark Credit Union held a seminar last fall on managing and paying off debt, Linda Krakora was taken aback when a smartly dressed, older couple walked in the door.

"I even asked them 'are you in the right place,'" recalled Krakora, the training and development manager at the $187 million credit union in Joliet, Ill. "They said they were. Never had any debt but a company closed down, and they got a hold of some things that led to some problems."

While a mix of people from all over the demographic gamut continue to attend NuMark's financial education sessions, Krakora said over the past two years, she's noticed many more consumers in attendance are closer to retirement.

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