How do Balance Transfers Affect My Credit Score?
Balance transfers provide consumers with an easy, convenient, and effective way to reduce their debt obligations. It’s a form of debt settlement that doesn’t require a debt specialist or program, can be undertaken with a few simple moves, and offers a wealth of benefits. But how do balance transfers impact your credit score, do they […]
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Repossession Credit Scores: What You Need to Know
One of the harsh truths of secured loans is that your asset can be repossessed if you fail to make the payments. In the words of the FTC, “your consumer rights may be limited” if you miss your monthly payments, and when that happens, both your financial situation and your bank balance will take a […]
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How to Repair my Credit on my Own
There is no shortage of credit repair solutions aimed at bad credit borrowers. Designed to carefully build your credit without resorting to debt relief options like debt settlement and debt consolidation, credit repair is effective and relatively easy. However, if you go through credit repair companies then it can also be expensive, and unnecessarily so, as they have the same rights and abilities as […]
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Does Paying the Minimum Hurt Your Credit Score
Credit card bills can be confusing. If everything was straightforward and clear, credit card debt wouldn’t be such a big issue. But it’s not clear, and debt is a massive issue for millions of consumers. Start raising your credit score today. One of the most confusing aspects is the minimum payment, with few consumers understanding how this works, how much damage […]
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Average US Student Loan Debt Statistics: Best to Worst
Student loan debt is one of the main driving forces behind the US debt crisis. Student loan borrowers outnumber those with credit card debt and personal loan debt and their accumulated obligations account for the biggest share of outstanding unsecured debt. College graduates are being crippled by this issue as they take masses of outstanding […]
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Student Loan Types
The United States has more student loan debt than car loan and credit card debt, accounting for around $1.5 trillion in total. The vast majority of this debt is federal student loan debt, and debtors in their mid-30s have the highest share. But what are the different types of student loans, which options are best […]
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Student Loan Debt Calculator
The United States has some of the highest consumer debt in the world. Credit card debt, medical bills, and personal loans account for billions in monthly payments and carry balances in the trillions of dollars. One of the biggest debts, however, is student loan debt. Start getting out of student loan debt today. A sixth […]
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Student Loan Debt Relief FAQ
The US has over $1.6 trillion worth of student loan debt, most of which are federal loans. These loans are shared between 43 million adults or roughly 16% of the population. Many of these debts will remain long after the debtor has finished school and some will stick around for decades, crippling the debtor’s finances […]
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Student Loan Forgiveness for Teachers: Your Guide
While teaching is an honorable career choice, it’s not exactly among the highest paid. Becoming a teacher requires a four-year degree from a university and at least one additional year—sometimes two to three—in an accredited university credential program. Start getting out of student loan debt today. Generally, prospective teachers can expect to be in school for no […]
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Best College Student Credit Cards
You need to be at least 18 years-old to get your own credit card in the United States, and this is true even if you have a cosigner. However, surveys suggest that Americans are not rushing to get their hands on a credit card, with the average consumer waiting until they are at least 20, […]
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