Money Tips & Resources ✍🏼

FAFSA Documents Checklist: What You Need to Fill Out the FAFSA

The Free Application for Federal Student Aid (FAFSA) is a form used to determine a student’s eligibility for financial aid, including...

How Balance Transfers Work: Do Balance Transfers Hurt Your Credit?

Many people wonder how balance transfers work and if balance transfers hurt their credit score. Balance transfers are a good idea when...

How to Build Credit While in College

Just like a college degree, good credit can create financial possibilities you only ever dreamed of. But unfortunately, starting to build...

How to Get Out of Credit Card Debt

If you’re like most people, chances are you have credit card debt. In fact, according to Value Penguin, the average debt per American...

Can’t Pay Your Student Loans? Here’s What to Do

When you can’t afford to pay your student loans, it can be a huge stressor. What happens if you don’t pay your student loans at all, or...

Wells Fargo’s Decision Might Hurt Your Credit Score

Are you a Well's Fargo customer? If you have a personal line of credit with Wells Fargo, it's highly likely that your credit score will be...

Recurring Payments: The Gifts that Keep on Taking, and Taking, and Taking…

I have a love/hate relationship with on-line retailers, subscription model apps, and anything else that charges me a low monthly fee -...

Military Finance: Benefits & Programs for Service Members

Life as a United States military service member, and later on as a veteran, comes with great experiences and special financial...

Military Budgeting 101 – Tips for Service Members

Military service members and their families understand there should always be a plan. And having a budget is just that! It represents...

Mortgage Refinancing: Everything You Need to Know

Refinancing a mortgage gives homeowners the opportunity to save money or access equity. Keep reading to understand the process and start...

Filing Tax Returns: Everything You Need to Know

You’ve probably heard the old saying: “in this world, nothing is certain except death and taxes.” And while that’s true for most people,...

The Debt Avalanche Method: Try this Debt Relief Strategy

The debt avalanche method helps you pay down your debt by starting with the highest interest rate loans first.  This strategy has the...

The Debt Snowball Method: How to Pay Off Your Debt

The debt snowball method helps you pay off your debt by starting with your smallest debt balance first and then tackling the larger ones....

Student Loans: Everything You Need to Know

Financial barriers shouldn’t get between you and your education. If you need money for school, you may consider applying for a student...

Payday Loans: Everything You Need to Know

Payday loans are an option for anyone in a sticky financial situation. But, they come at a cost. Keep reading to learn more about how they...

Credit Cards: Everything You Need to Know

A credit card allows you to borrow money to buy almost anything you want. However, they come with added costs such as interest and fees –...

Hard Money Loans: Everything You Need to Know

If you’re interested in real estate or looking to grow as an entrepreneur, a hard money loan could be a way to get the cash you need (and...

Personal Loans: Everything You Need to Know

A personal loan is a relatively flexible loan to be used for short-term financial needs when you don’t want to dip into your savings. Keep...

The Hidden Traps within HELOC’s and Equity Loans

"Home equity is a means of accumulating wealth, not a piggy bank". Todd Emerson, Founder & CEO - Credit & Debt I have been a...

The Best Credit Card for Bad Credit!

https://youtu.be/xxNi4efgeGA How do you get a credit card with bad or no credit? How can you rebuild your credit if no one will give you a...

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Do you have questions about how to manage your money, reduce your debt, or improve your credit score? We have answers!

Credit & Debt provides answers to all of the financial questions life may throw at you. Explore our articles and videos below to find answers. Or, reach out to our financial expert, Abby, for a personalized video at askabby@creditanddebt.org.