How to Avoid Debt During the Holidays

Did you know that December is often the most expensive month of the year? In Northern U.S. states, heating and electricity bills increase for families in order to pay for the dropping…

How to Recognize a Debt Collector Scam

Calls from collection agencies can sometimes be intimidating and confusing, whether it’s from a scammer or not. The Federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using unfair, deceptive,…

Top 5 U.S. States with Student Loan Debt

In 2015, the average student debt for college graduates in the United States was $35,000, which was up 6% from 2014. The class of 2015 saw the most student in U.S. history…

Do Collection Agencies Collect Student Debt?

Recently we covered the importance of paying back your student loans before they negatively affect your credit score. Similar to credit cards and other loans, student loan payments should be made on…

Do Student Loans Affect Your Credit Score?

Do you use student loans to pay for your college tuition? As of 2017, more than 44 million Americans have student loan debt with a total debt sum of $1.45 trillion (StudentLoanHero.com)….

Can I Get a Credit Card with Bad Credit?

Have you recently been denied for a credit card due to bad credit? Unsure of how it’s gotten to that point? If you’re suffering with bad credit, you’re one of many Americans….

How Do I Get Good Credit?

Everything in today’s economy is run on credit. The amount of your mortgage loan is dependent on the condition of your credit score. Are you applying for a college student loan? Your…

5 Tips For Best Utilizing Your Credit Card

Are you on the lookout for your first credit card? Or have you had bad credit card experiences and want to improve your credit score? This article might not dive deep into…

What is a Debt Delinquency Timeline?

Do you have trouble paying back credit cards? Have you been avoiding a collection agency? From the moment you first skip a credit payment to when a collection agency takes you to…

National Debt vs. State Debt

Do you know how different state and national debt are? How about budget deficit or budget surplus? Budget deficit is an important term used when the amount of money spent exceeds the…