Student loan refinancing calculator
Before refinancing your student loans, use Money Under 30’s student loan refinancing calculator to make sure you’re getting the best deal possible.
Using Credit Responsibly
What Is a FICO Score? And Why Do You Have Different Credit Scores?
Your FICO score is a three-digit number between 300 and 850 that indicates how likely you are to repay your debts. It is the score most often used by lenders when deciding whether you qualify for a loan or credit card.
How to Start Building Business Credit
The basic principles of building business credit are similar to those for building personal credit: Make your business’s loan and credit card payments on time, keep your credit utilization low, and avoid collections. But your business credit score is marked on a different scale than your personal credit score, and it’s monitored by different credit bureaus as well.
Student loan grace period vs deferment vs forbearance
Grace periods are the time between graduation and when you need to start making payments on your student loans. Deferment allows you to stop making payments so you can return to school. Forbearance stops the payment requirement due to hardship. But caution is needed when using each of these options. Interest is most likely accruing while you are not making payments.
What Credit Score Do You Need to Get Approved for a Credit Card?
Most credit cards require a very good credit score of 700 or higher. And cards with lots of perks, like travel and cash back rewards, typically ask for excellent scores of 750+. But that doesn’t mean you can’t qualify for a credit card with a lower score — you just need to apply for the right one.
How to pay back your student loans
Your grace period is almost over and soon you’ll have to pay back your student loans. Here is every possible way you could do that.
Does medical debt really go away after 7 years?
Though medical debt drops off your credit report after seven years, the debt itself sticks around. Here’s how you can keep unpaid medical bills from affecting your financial health.
Subsidized vs Unsubsidized Loans: Here Are The Big Differences
Subsidized loans mean Uncle Sam helps you out with interest while you’re in school or deferment. With unsubsidized loans, Uncle Sam’s no help and interest starts accruing the minute you get your loan money—and it’s all on you to pay it back.
Should You Take Out Loans To Pay For Living Expenses In Graduate School?
How you manage your living expenses during grad school will make a big difference in how much student debt you need to repay. Learn how to minimize how much you need to borrow to cover your living costs during graduate school.
How to build credit for the first time
There are a number of ways to build credit quickly without going into debt. Compare co-signers, starter credit cards, credit-builder loans, and other options to see which is best for you.