Will refinancing my student loans lower my payments?

Will Refinancing My Student Loans Lower My Payments? If you’ve done research to try to lower your monthly student loan payments, you’ve undoubtedly come across the option to refinance them. It may sound like a complicated process, but don’t be intimidated; it’s much simpler than you might think and can potentially save you a [...]

Use Credit Cards Wisely and Preserve Your Credit

Let’s face itâ€Ĥwhile credit cards are a great way to build your credit, they can get you into trouble if you’re not careful.  With so many people taking advantage of the ease of online shopping these days, overspending can happen fast and before you know it, you’re up to your ears in debt. Taking [...]

2 Things Lenders Look at When You Get a Loan

We live in a world where loans can help us afford things we need without paying for them up front. People get mortgages to purchase their first home, car loans, personal loans, and credit cards. But what do lenders actually look at when you get a loan? What determines if you're approved or denied? [...]

Your Guide to a Credit Freeze

How to Freeze and Unfreeze Your Credit You've likely heard about something called a credit freeze in the last few years. Essentially, it’s a way to lock your credit report so that no one can access it. That means legitimate creditors and fraudsters alike. While putting your credit on ice has been free under federal [...]

How Long Do Negative Marks Stay on a Credit Report?

It’s no secret an excellent credit score comes with many financial perks. It can help you qualify for the loans you need and pay less interest on the funds you borrow. Good credit also makes renting an apartment easier and can even earn you discounts on your car insurance. However, how much do negative marks [...]

Buy Now, Pay Later: Is There a Catch?

The ability to buy a product or service now and pay for it over time is nothing new. It's the same concept that made credit cards one of today's most popular forms of payment. Yet, everywhere you look lately, from grocery stores to online retailers, there is a “new” way to pay: Buy Now, [...]

2022-06-02T12:52:59-04:00June 2nd, 2022|Categories: Education|Tags: , , , |

Why Personal Loans are Better than Credit Cards

Whether you’re making everyday purchases, such as groceries or gas, or unexpected ones, such as car repairs – you’re probably used to using your credit card. Just a quick swipe of your card and you’re on your way. But is a credit card always the best option? Don't ignore personal loans for those unplanned [...]

2021-10-20T11:50:32-04:00October 29th, 2021|Categories: Uncategorized|Tags: , , , |

7 Steps to Get Out of Debt

Debt is a common factor in modern life. This can be good or bad, depending on your financial situation and personal goals. Each person or family needs to decide the level of financial risk that they want to have or can manage. If you feel like you're drowning, it might be time to get [...]

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