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The Process of Getting A Student Loan

Each year across America, teenagers and people in their early twenties head to college. In this day and age, with the rising cost of college education – many students have basically no choice but to take out student loans. According to U.S. News, the average cost of tuition for an academic at a public in-state university is more than $10,000, over twice as much as it was back in 1998. …Read More

The Different Chapters of Bankruptcy Explained

Most people in the United States are familiar with the term bankruptcy. Bankruptcy, handled in the federal courts, can help a person get rid of any debt they have or make a plan to repay it. However, can you tell the differences between each of the different chapters of bankruptcy? There are six chapters of bankruptcy in the United States, Chapter 7, Chapter 9, Chapter 11, Chapter 12, Chapter 13 …Read More

How Does Student Loan Debt Affect the Economy?

Remember the 2008 financial crisis?   You know, the one that economists say is the worst since the great depression.   The crisis began due to issues in the subprime mortgage sector. These high-risk loans led to a large number of new homebuyers, which drove up housing prices, which led to people borrowing against their homes and eventually, the housing “bubble” would burst.   As you know, this led to …Read More

Memorial Day Weekend Savings Tips

Summer doesn’t technically start until June 20. However, the unofficial start of summer is almost here. The weather is warming up across the country and Memorial Day weekend is right around the corner. For a lot of people, the long holiday weekend also means a weekend getaway experience. Of course, these short vacations also mean emptying a good portion of the paycheck. Here are a few tips to help you …Read More

Five Benefits of a Debt Management Plan

It’s possible that you have severe debt. You got behind on your credit card payments for too long, and now you’re receiving constant calls from creditors. One solution to your debt problems could be a debt management plan. A debt management plan is a way to pay down your debt through payments to your credit counseling agency, who will then distribute the funds to your creditors. When you enroll in …Read More

Celebrating Valentine’s Day on a Budget

The month of February is here, and Valentine’s Day is just around the corner. It’s a great day to really show appreciation for your significant other with a nice dinner and night out on the town. Of course, Valentine’s Day also comes with a cost, and a lot of times it’s heavy. Dinner, a movie, alcohol, gifts. They all add up. With that being said you can still have a …Read More

Benefits of Buying a New vs. Used Car

At some point in their lives, a lot of Americans are faced with the decision of whether or not to buy a new car. It certainly has its benefits – no miles, brand-new upholstery, that sweet new car smell. However, is it worth it? There are plenty of benefits to purchasing a used car as well. It really depends on your situation and what you see as the best fit. …Read More

Last-minute Holiday Shopping Tips

We’ve all been there before. It’s just a few days before Christmas, possibly even already Christmas Eve, and you still have plenty of holiday shopping left to do. It could be that you just have to get a gift for your brother or sister, or that you’re flat out way behind and haven’t bought gifts for any of your friends and family. It’s not a great situation, but the world …Read More