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How Student Loans and Paying Them Off Affect Your Credit Score

Student loan debt is becoming almost commonplace in America. According to the Student Loan Report, approximately 70 percent of college students in 2018 have student loans, with an average of $27,975 in debt per borrower. I’m not going to go further into the statistics; the more important topic to discuss is the impact that these loans have on each and every borrower, including the potentially surprising outcome of paying off …Read More

Winterizing Your Home On A Budget

People living on a budget might not take extra steps to winterize their homes, figuring they can’t afford it. But many winterization options are free or very inexpensive, and save a lot of money on heating bills. Don’t let a tight budget prevent you from winterizing every year.   Free things you can do Insulate leaky doors with a towel. Roll up a towel and place across the bottom of …Read More

Tips and Ideas for Budgeting for Summer Fun

Part of the credit counseling process is creating a budget that works. It’s important to take into account everything that one spends and keep it in mind when budgeting. That means keeping your budget flexible for different times of year. Summer is the time when families look to get away, spend time outdoors, and keep the kids’ minds engaged until they go back to school. Here are some quick tips …Read More

How Military Service Members and their Spouses can Access Debt Relief

There are many protections for military service members and their spouses, chiefly under the SCRA (Servicemembers’ Civil Relief Act), but it’s important that the military personnel who need these benefits take the proper steps to guarantee their rights are protected. In particular, service members gain special protections while on active duty. They (or their spouses) can’t be evicted, foreclosed upon, or otherwise forced to sell their home. Debt interest rates …Read More