How I got out of debt–and how you can, too
Pay off your debt by committing to not taking on new debt, getting organized, earning more, and paying down one debt at a time.
Break free from the burden of debt with proven strategies that actually work. From student loans to credit cards, we provide actionable plans to systematically reduce what you owe while minimizing interest costs. Learn to prioritize debts, negotiate with creditors, and avoid common pitfalls that keep people trapped in cycles of borrowing. Our approach helps you create a debt-free future without sacrificing your quality of life today.
Pay off your debt by committing to not taking on new debt, getting organized, earning more, and paying down one debt at a time.
Keeping track of your credit health is a critical part of responsible personal finance and can save money over time. Thankfully, it’s never been easier to get free credit report details and free credit scores online. Here are your best
Personal loans are best for making a single large purchase that you need to repay over several years. To finance a purchase over a shorter period of time — or when you’re not sure how much you’ll need to borrow
Starting with zero credit history, you can establish credit in as little as six months. Achieving a “good” credit score of 700 or better usually requires making timely payments for at least 18 months to two years, but it’s possible
Calculate your monthly loan payment for a given term or how long it will take you to repay a loan with a given monthly payment.
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.
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
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.
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
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.
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
Student loans make college — and, increasingly, a middle-class life — attainable. But you should fully understand how student loans work before taking them out.