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6 Signs Financial Coaching Is Right for YouÂ
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Our Library
Loans
Taking out a loan and borrowing money is a big decision.
The Credit & Debt Loan Libary is designed to help you learn about the pros and cons of taking out a loan and help you navigate taking on new debt. From student loans to mortgage refinancing, you’ll find our best resources to help educate and guide you throw the process.
What Can Be Used as Collateral for a Personal Loan?
It's critical to clearly understand collateral when considering a secured personal loan. Collateral can significantly impact your loan...
Cash-Out Refinance: How It Works and When to Do ItÂ
Accessing the equity in your home through a cash-out refinance can be a strategic financial move, allowing you to leverage your property's...
5 Essential Steps Before Buying Your First HomeÂ
Buying a home is a significant milestone that requires careful preparation to navigate successfully. Whether you're buying your first home...
Understanding the Impact of Credit Scores on Home Loan ApprovalÂ
Your credit scores play a crucial role in determining your eligibility for a home loan. These three-digit numbers, typically...
Survey Reveals Student Loan Challenges and the Need for Solutions
Credit & Debt®, an IDIQ® financial wellness platform dedicated to empowering people to make smarter financial decisions, recently...
What are Interest Rates? How Does Interest Work?
Interest rates are a fundamental aspect of the financial world, impacting everything from loans to savings accounts. Yet, comprehending...
Can’t Pay Student Loans? Here’s What You Should Do
Student loans are one of the hottest topics in the United States right now and a common source of financial hardship. For a while, it was...
Is Refinancing Student Loans Worth It?
It's no secret that student loans are one of the top causes of debt in the United States. According to Forbes, there's a total of $1.75...
7 Ways to Lower Student Loan Payments
We've all been there. That moment when you peek at your bank statement, only to get that sinking feeling. You realize a chunk of your...
Are Emergency Same Day Loans a Bad Idea?
Financial emergencies often happen quickly and unexpectedly. When you don’t have the cash you need, that’s where emergency loans can come...
Federal Loans vs. Private Student Loans: What’s the Difference?
Paying for your college education is expensive. And after applying for possible grants and scholarships, federal student loans are the...
Will Biden Cancel Student Debt? Here’s What We Think
Students have been hopeful with the recent economic challenges around the world that the federal government might forgive their student...
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...
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...
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...
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...
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...