Learn how the Coronavirus (COVID-19) has impacted student loan borrowers.

Learn More

Debt & Credit Tips

Our blog is designed to provide information regarding some of the critical topics those with student loans must be aware of to be able to make educated decisions regarding their future.

accessible income

What is Accessible Income? What to Count and What to Leave Out

Accessible income includes all the income you have a “reasonable expectation of access” to. For most people, it’s more than just paychecks from your regular job. It also includes income sources like an allowance, a scholarship, or Social Security payments. What Counts as Accessible Income? Since accessible income is only associated with credit card applications, your age determines…

Continue Reading ->
A couple buying a house

Should I Pay Off Student Loans or Buy A House?

You’re out of college, working, and thinking about the future. It’s only natural that saving up money and buying a house is the next step. But, buying a house with student loans can get a little tricky. You must decide, is it best to use your savings to pay off student loans or buy a house first? As…

Continue Reading ->
A car being repossessed with a woman talking on her phone confused

Car Repossession and How to Avoid It

The possibility of car repossession haunts many Americans who—for whatever reason–fall behind on their car payments. If you in fear of one day finding your parking spot empty, understanding the process of car repossession can help. The following information is everything you need to know about car repossession and how to avoid it. How Many Payments Before Car…

Continue Reading ->
A hooded man in front of a number of computers in the dark web

Experian Dark Web Scan

Following a trend toward more rigorous consumer information protection, a number of companies are now offering Dark Web monitoring to help prevent identity theft. This includes Experian, who currently offers a one-time free Dark Web scan. Experian is leading the way when it comes to Dark Web monitoring with their “Experian Dark Web Scan”. But what is the…

Continue Reading ->
An image of a scale weighing the words debt and income against each other

Debt-to-Income Ratio

Your credit score is not the only number you should concern yourself with when it comes to your financial health. Your debt-to-income (DTI) ratio is arguably just as valuable. It compares your monthly debt to your monthly income. Lenders use your DTI to determine whether you can handle additional debt like student loans or a mortgage. Unlike your…

Continue Reading ->
A couple standing in front of their new home

Getting a Mortgage With Student Loans

Many college graduates with overwhelming student loans think getting a mortgage with student loans is impossible, but this isn’t the case. If your goal for the near future is to buy a house, but you’re weighed down by hefty student loans, you may still be able to take out a mortgage. Here’s everything you need to know about…

Continue Reading ->

Personal Loans with a Credit Score Less Than 550

From paying off a credit card to buying a house, your credit score determines how much you’ll pay in interest. The lower your credit, the more money you can expect to pay on any credit card or loan. But with the help of a few tips and tricks, a poor credit score—even one less than 550—doesn’t have to…

Continue Reading ->
A picture of three gift cards

Manufactured Spending: Illegal or Just a Great Spending Hack?

With every bonus, reward, and benefits scheme, you can guarantee that some people will find a way to outsmart it.  Credit card companies offer numerous rewards programs to incentivize spending, so it should come as no surprise that credit cardholders have found a way to rack up rewards by playing within the system, aka manufactured spending. Cardholders can…

Continue Reading ->

What is a Debt Management Plan?

Debt Management and Consolidation Debt management is a service offered by many companies to help people get out of debt quickly and easily. With a typical debt management plan, your service provider will work with your creditors to reduce monthly payments and interest rates on your debts, as well as avoid penalties. The debt management plan all three…

Continue Reading ->
A small chalkboard with the words Debt Settlement written on it.

The Dangers and Alternatives to Debt Settlement

If you are deep in debt and don’t see how you can ever climb out of it, you can get desperate. Now suppose you see a TV ad or get mail from a company that promises to reduce your debt to a fraction of what you owe, maybe even make it disappear completely. Tempting? Just remember, if it…

Continue Reading ->

You may be eligible for a ZERO dollar monthly payment!

Call (844)-669-4407 x