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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.

What is an Origination Fee?

When it comes to just about anything financial, the amount you see advertised is usually not the amount you’ll pay or repay. There are all sorts of fine print you may or may not look at that can tack on additional fees and charges. In the loan world, one such charge takes the form of the origination fee.…

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How to Make a Budget That Works for You

Have you ever gotten paid and then, before you know it, your balance is back to zero? This happens to many of us and the answer is simple — you need to learn how to make a budget. Budgeting can seem scary, but it’s really a matter of tracking the past and planning for the future. If you…

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Debt Consolidation Loans – An In Depth Guide

Debt consolidation loans are a popular loan option for people who have multiple unsecured debts. Whether those debts are student loans, credit card balances, medical bills, or unsecured personal loans, debt consolidation loans can make it simpler to manage accounts and can save borrowers money in the long run. How Do Debt Consolidation Loans Work? A debt consolidation…

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How Does Cash Back Work For Credit Cards? What You Need To Know

The concept of getting paid to spend sounds too good to be true, but for many cash back card members, it’s a reality. Cash back can be a rewarding way to get the most value out of your credit card. Understanding how does cash back work for credit cards can help you choose which card is right for…

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What Credit Score is Needed to Lease a Car?

Want to drive your dream car without fully committing? Leasing makes that possible. Unlike an outright purchase, a lease lets you make monthly payments to rent the car. Your rental typically lasts for 3 years or until the car hits the agreed upon mileage, whichever comes first. However, not just anyone can sign up for this arrangement. Leasing…

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How Do Loans Work? A Simple Guide

In an ideal world, we’d all have the funds necessary to make large purposes. In reality, this is not often the case. Fortunately, an entire industry exists to facilitate the lending of money between two parties. We will try to answer the question of how do loans work and provide a summary of each type of the most…

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Top Seven Tips on How to Improve Credit Score in 30 Days

Want to take out a mortgage? Move into a new apartment? It could all depend on your credit score. Luckily, credit scores update about every 30 days. This gives you a 30-day window to bring up your score between updates. You may even raise it enough to secure a much lower interest rate for a loan or a…

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6 Ways to Get a Loan for People With Bad Credit

Sometimes life gets messy. If you’ve hit a rough patch and your credit has taken a nosedive, you might find it hard to get a loan when you need it the most. The good news is that there are loans for people with bad credit. You just need to know what to look for and what to watch…

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Where to Apply for a $3,000 Loan

Unexpected expenses can come out of nowhere. Your car’s transmission gives out; a pipe bursts in your house; or you have an emergency medical procedure. There’s no avoiding these expenses, and maybe your bank account is tapped out. What do you do? One option is a personal loan. As with any loan, you should be careful before you…

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earned income tax credit

What Is Earned Income Credit & Top 10 Things to Know

The Earned Income Tax Credit (EITC) is a benefit provided to working people with low to moderate income. The EITC reduces the amount of taxes you owe and might result in a refund. The earned income credit was created to offset Social Security taxes while giving people an incentive to work. Here are the top 10 things to…

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