Resources

The NFCC often receives questions from readers about their money challenges. We answer common questions in our Ask an Expert series to help readers find the information they need. Question: I have a large balance on my credit card and I’m looking for a way to pay it off. Would you recommend seeking a personal […]

The NFCC often receives questions from readers about their money challenges. We answer common questions in our Ask an Expert series to help readers find the information they need. Question: I’m considering buying my first home. I’ve been doing some research and keep hearing about the debt-to-income ratio. What exactly is the debt-to-income ratio and […]

Millions of student loan borrowers are facing changes to repayment plans: and increased monthly payments.   If you’re struggling to decode your student loan options, don’t wait to get started. All you need is ten minutes to create your student loan strategy with the National Foundation for Credit Counseling (NFCC).  Start Here Here’s how it works:   Help is available. Get started today. 

The NFCC often receives questions from readers about their money challenges. We answer common questions in our Ask an Expert series to help readers find the information they need. Question: How can I build credit if I have no credit history? I’ve applied for several credit cards but I keep getting turned down. Is there […]

It can be challenging to make a plan for your finances. But it’s even harder when you don’t know where you’re going.  For military families, there can be a lot of uncertainty about things like where you’ll be stationed in the future and how much income you’re going to earn. When you’re in this constant […]

Each year across America, around two million students kick off their college careers. But with the rising cost of education, most of these students have no way to pay for school without help.  According to College Board, the average annual cost of tuition and fees for a public, in-state college was $11,950 in 2025. By […]

It’s never pleasant to think about this, but a natural disaster can strike at any time. Think about it: in 2025, FEMA declared 115 disasters, including the Los Angeles wildfires and the Texas flash floods.   From hurricanes to earthquakes, we often put off thinking about these events until we’re in imminent danger. But when a […]

The NFCC often receives questions from readers about their money challenges. We answer common questions in our Ask an Expert series to help readers find the information they need. Question: What steps should I take to prepare as a first-time homebuyer? Answer: Dear Reader, The prospect of becoming a homeowner is very exciting. It’s also […]

Over the last few decades, the convenience of credit cards has made them a popular alternative to cash. But what you may not realize about credit cards is that using them means taking on debt with ultra-high interest rates. For example, in late 2025, the average credit card APR was a jaw-dropping 21.39%. By comparison, […]

Did you know the average student loan payment is over $530 a month? At that amount, it’s no wonder borrowers are struggling to pay back their student debt. In fact, about 42% of student loan borrowers report that covering their loan payments makes it difficult to cover basic household needs. If you’re in the process […]