Debt Relief
Best Credit Repair Companies to Consider for June 2026
Monthly fees for credit repair range from free DIY tools to $150 a month. Here is how the leading companies compare on price, dispute …
Ralph Fernandez
More from Ralph Fernandez
Student Loans
How to Build an Emergency Fund While Paying Off Student Loans
Paying off student loans and saving for emergencies at the same time feels impossible, but the right budgeting method can make both goals achievable …
Student Loans
Student Loan Balances: How Do You Compare to Ages 25 to 34 Average
Millions of borrowers aged 25 to 34 owe an average of $33,566 in federal student loans, and the SAVE plan's unraveling has left their …
Student Loans
International Students May Skip the US: Why That Hurts the Economy
Trump's overhaul of the Department of Education and crackdowns on student visas could cost billions, from loan servicing chaos to a projected $44 billion …
Student Loans
SAVE Plan Borrowers: What to Know Before Switching Income Driven Plans
Interest resumes on SAVE plan loans August 1, 2025. Here is how switching to IBR, waiting for RAP, or staying put could affect your …
Student Loans
Student Loan Debt: How Does Yours Compare to Others
Student loan debt by age reveals a surprising pattern: borrowers in their 50s carry the heaviest balances, not recent graduates. Here is how the …
Student Loans
Student Loans: How to Manage Payments After Deferment Ends
Deferment can pause federal student loan payments for up to three years, but interest may keep growing. Here's how to prepare before repayment resumes.
Personal Finance
Best Student Loans: Top Lenders Compared for Borrowers
Federal Direct Loans lead the pack for most students, but the right choice depends on your credit, cosigner situation, and how much you still …
Personal Finance
Mohela Student Loans: What Borrowers Need to Know
Mohela is one of the largest federal student loan servicers, but knowing its role, and your repayment options, can save you money and stress.
Debt Relief
Debt Relief Explained: How It Works and Common FAQs
Buried in credit card or medical debt? Debt relief options like consolidation, settlement, and bankruptcy each offer a path out, but with very different …
Personal Finance
Debt Avalanche Method Explained: How It Works to Pay Off Debt
The debt avalanche method targets your highest interest debt first, then rolls each payoff into the next. Here is how it compares to the …
Student Loans
Student Loan Collections: How to Protect Your Finances
Federal student loan collections have resumed, putting borrowers in default at risk of wage garnishment. Here's how rehabilitation, consolidation, and hearings can help avoid …
Student Loans
Student Loan Denied? How to Turn It Into a Yes
Denied for a student loan? You still have options. Here's how to appeal the decision, what documents you'll need, and when reapplying makes more …
Personal Finance
Personal Finance Tips: How to Manage Your Money Wisely
Personal finance is not one trick but a system: budgeting, saving, debt strategy, and investing working together. Here is how the pieces fit and …
Debt Relief
Debt Re Aging: What It Means and How to Prevent It
An old debt you thought was dead can spring back to life with one phone call or payment. Here is how re-aging works, what …
Student Loans
Majors With the Least Student Loan Debt
Behavioral sciences majors graduate with a median of $42,822 in student debt, while biology majors owe just $7,591. Here's how field of study shapes …