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Archive for: Credit & Debt

Quick Look: Student Loan Rates Went Up This Week

Heads up: interest rates for government-backed student loans went up as of July 1, 2014. Here’s a breakdown of the increase. Undergraduate Stafford loans: 3.86 to 4.66 percent. Graduate Stafford loans: 5.41 to 6.21 percent. Plus loans for p … [Read more...]

ReadyForZero: A Money App That Helps You Defeat Debt On Your Own

I enjoy using Mint.com to track my expenses and frequently use its budgeting and goals tool to set up the best debt snowball for paying down my balances. The problem I keep running into, though, is turning my plan into actual payments. Enter … [Read more...]

Are Rewards Credit Cards Bad For Your Credit Score? The Truth May Surprise You

After recent articles on how to start travel hacking and the best travel rewards programs for non frequent-fliers, we’ve received a few questions from readers wanting to start taking advantage of credit card rewards for the first time. One reader a … [Read more...]

For Graduate Students, Help Weighing The Costs Of An Advanced Degree

Yes it’s true: Student debt has reached an astounding record level of $1.08 trillion—and that was just for the end of 2013, according to a report released earlier this year by the Federal Reserve Bank of New York. Trying to make sense of that deb … [Read more...]

Discover it® Credit Card Review

The Discover it® credit card combines cash back on everyday purchases, a free FICO® credit score with your monthly statement, and competitive intro and regular APRs. Who "it" is for: Discover it® is a multi-purpose card for consumers who want to ea … [Read more...]

Yes, There’s A Loan For That: New Options For Getting Unsecured Personal Loans Online

Let’s face it: It’s not everyday you can get an online loan to buy a horse. But if you go to the website for LightStream’s “AnythingLoan", and scroll down to the bottom of the page, you’ll see it right there: a link for horse loans (with an APR as … [Read more...]

Quick Look: Sen. Elizabeth Warren’s Bill Would Bring Down Student Loan Interest Rates, But Don’t Hold Your Breath

Massachusetts Senator Elizabeth Warren has introduced a bill to the Senate that would allow student loan holders to refinance their loans to current interest rates. Although skeptics doubt the bill's chances of passing (GOP members would have to … [Read more...]

The Best Travel Credit Cards That Reward Everyday Purchases

A few weeks ago, we wrote about ways you can earn free travel even if you’re not already a frequent flyer. Instrumental in that saving up enough miles for a gratis vacation is racking up the points using a travel rewards credit card. Specifically, … [Read more...]

When Good Credit Isn’t Enough: Why You Could Be Denied A Credit Card Despite Your Excellent Score

It’s bound to happen to all of us at one time or another – you go to apply for a new credit card (or an auto loan, mortgage or any other line of credit) and, out of nowhere, they turn you down. Application declined. You’re shocked. Angry. And – … [Read more...]

What To Do When You Get Medical Bills You Can’t Afford

You’re young. You’re healthy. But that doesn’t mean you won’t have a medical emergency tomorrow, and get stuck with some whopping bills. I speak from experience. Last year, I was pregnant. Everything went perfectly – I never had a day of morning si … [Read more...]