Life without a Credit Score is Possible; But is it Wise?
A debt-free lifestyle is appealing, but it doesn’t build the credit history that you may need later in life (when you least expect it).
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.
A debt-free lifestyle is appealing, but it doesn’t build the credit history that you may need later in life (when you least expect it).
As someone just getting started financially, you may have considered buying a car using a credit card. It isn’t a good idea, though. Here are your alternatives.
Credit builder loans can help you build credit from scratch or rebuild good credit after bankruptcy or years of neglecting payments.
Take charge of your student loan debt! Learn how to pay your student loans off fast. Compare payment plans, consolidation, refinancing & more.
Some credit cards do not report credit limits to credit bureaus, which can have a negative impact on your credit score; here’s why — and what to do about it.
Getting your wages garnished because you’re behind on your student loans is a major stress on your finances. Learn how to get out of wage garnishment, and, better yet, how to avoid it altogether.
Should you pay off your student loans or start investing? It’s a common questions among new grads. Here are some calculations that might help you make your decision.
Do you have too many student loans to keep track of? Get answers to frequently-asked questions on federal student loan consolidation loans and private student loan refinancing. Find out the pros and cons to consolidation, if you’re eligible, and how
A good credit score doesn’t come quickly. Excellent credit requires seven years of open credit accounts and on-time payments. Here’s why, and what you can do to manage your finances while working to build good credit.
Thought you paid off your credit card balance but then got a new bill? Learn how residual interest, also known as trailing interest, works and how to avoid it.
Congrats, grad: Your crazy student loans are coming due! How do you know which student loans to pay first? Attorney Natalie Bacon graduated from law school with $208K in student debt and — not surprisingly — has some thoughts on
An annual percentage rate, or APR, is a percentage that shows what it will cost you to borrow money. APR reflects both an interest rate and additional costs and fees applied to your loan or credit card balance.