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How to Defer or Discharge Student Loan Debt

Under special circumstances, you can receive a deferment on the repayment of your federal student loans. You may even get your entire student loan debt forgiven [more…]

Comparing Leasing a Vehicle with Buying Your Car

Leasing is a fast and easy way to get a car with little or no down payment. Monthly lease payments usually are less than loan payments for a new car. Additionally, you’ll encounter less paperwork, inspections [more…]

Understand Your Credit Consumer Rights

Federal laws and agencies govern lender behavior when you apply for and use credit, protecting you from creditors who engage in illegal or bad credit practices. [more…]

How to Use Home Equity to Consolidate Debts

If you have credit card debt, a second mortgage, or other loans in addition to your first mortgage, debt consolidation can take a chunk out of your monthly expenses, freeing up money to cover other bills [more…]

How to Take Control when Foreclosure Looms

If you sense that your financial situation has taken a turn for the worse and foreclosure may be on the horizon, deal with possible foreclosure as best you can. You and the rest of your household need [more…]

Go Car Shopping with Your Loan Options in Order

Shopping for car financing in advance can mean a better car loan. Compare the Annual Percentage Rates (APRs) of different loans. If all other things are equal, the car loan with the lowest APR is the best [more…]

Borrowing Money for Your Child's College Education

After you've tapped out all other options, borrowing money to pay for college is your last resort. Your student should exhaust her borrowing options before you consider taking on any debt to pay for her [more…]

Loans to Avoid When Looking for Financial Help

If you don’t have enough money to pay all your living expenses and debts, do not take out a loan that will compound your financial problems. Although personal loans may give you temporary financial relief [more…]

How to Use a Cosigner to Raise Your Credit Score

Getting a loan and raising your credit score by having someone cosign for you is a triple-edged sword. Cosigning means that another party (usually a person with better credit) signs alongside you to guarantee [more…]

How to Leverage Your Mortgage to Build Credit

Owning a home and paying your mortgage can help build your credit in a few different ways. Credit grantors look at your credit report and credit score in order to rate your lendability, but they ultimately [more…]

How to Finance Your Car to Help Build Credit

Financing your car can help build your credit. Because of the very large price tags on most cars, most people require some financing in order to purchase one. Such financing typically comes in the form [more…]

How Do Student Loans Affect My Credit Score?

Student loans can be a good or bad thing for your credit score. Because of the increasingly unaffordable price tag on higher education, many people have student loans. Student loans make a lot of sense [more…]

Improve Your Credit: Managing Foreclosures and Strategic Defaults

The time may come that you are out of alternatives and can’t make a payment. How will this affect your credit? If you’re being foreclosed on, you still may have the option to talk to the servicer and try [more…]

How to Avoid High Interest, Fees, and Credit Scams

Unfortunately, being new to the credit world leaves you vulnerable to abuse by people who know the rules better than you do. Abuses perpetuated on immigrants and credit newbies have been around forever [more…]

How to Qualify for First-Time Cards and Lending

Credit impacts two major and basic consumer credit instruments that most people need when they get started on life’s journey: credit cards and loans. You may think that you know how these instruments work [more…]

How to Sustain Good Credit for Life

Financial goals and planning help keep your credit ecosystem in balance. You want to set goals for life’s major credit-related financial milestones and then create a plan to reach those goals. Among your [more…]

10 Strategies for Dealing with Student Loans to Protect Your Credit

Student loans are hard to live with and, for many, hard to live without! So how do you get the benefits you want and need without the risk of owing more than you can pay? [more…]

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