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Can You Refinance Student Loans When Self-Employed?

Self-employed people make up a good portion of the workforce with approximately one out of nine U.S. workers in 2009. That means 10.1 percent of the American workforce was self-employed that year. The self-employed workforce consists of a broad range of people. Some only went to high school while others attended two- or four-year institutions. Some even received their Read more >

How to Fund Your Summer Side Hustle

Somewhere in the nebulous realm of part-time jobs and freelance gigs lies the side hustle, a general name for money-making projects you complete in your spare time.   A quick web search can give you literally hundreds of side hustle ideas, from the simple and quick — like taking paid online surveys — to those Read more >

Entrepreneurs Can SCORE Some Free or Low-Cost Help

The “I don’t know” zone is a tough place to be when the success of your small business falls squarely on your shoulders. A business mentor can help you find the answers you need, while also teaching you best practices and how to avoid common missteps. SCORE, a nonprofit organization that connects 10,000 volunteer small-business Read more >

Side Hustles You Can Start With No Money

Starting a business is often a pricey ordeal, but no- to low-cost ideas exist for aspiring entrepreneurs with unique and marketable talent. Take inventory of the skills you already possess, recommends Holly Reisem Hanna, founder of career blog The Work at Home Woman. List your past jobs, education, training, passions, skills and talents to help identify Read more >

Ask an Expert: What are the Best Small Business Healthcare Options?

Q: What are the best small business healthcare options? Dear Reader, Navigating the jungle of employee benefits can be a daunting challenge for small business owners, no matter if the decisions involve a sole proprietorship or a team of several employees. First and foremost, it should be noted that employer sponsored healthcare coverage is optional Read more >

4 Things Small Business Owners Need to Know about Retirement Planning

By Jay DesMarteau, Head of Regional Commercial Specialty Segments at TD Bank, America’s Most Convenient Bank Small business owners juggle many day-to-day tasks such as meeting payroll, serving customers and coping with unexpected issues like replacing broken equipment. With so many immediate priorities, it can be difficult to find time to focus on the future, Read more >

4 Strategies to Improve Your Small Business Through Visualization

By Jay DesMarteau, Head of Regional Commercial Specialty Segments at TD Bank, America’s Most Convenient Bank® Many individuals picture what their dream life or success looks like when imagining personal and professional goals. According to a 2015 TD Bank survey, however, the potential for tapping into a regular “vision board” routine to generate business growth Read more >

Who is the NFCC?

We are the National Foundation for Credit Counseling (NFCC). Founded in 1951, the NFCC is the nation’s first and largest nonprofit dedicated to improving people’s financial well-being.

NFCC members help millions of consumers like you through community-based offices serving all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

For more on the NFCC, visit


Thank you to TD Bank, America’s Most Convenient Bank® and The TD Charitable Foundation, the charitable giving arm of TD Bank, for their exclusive support and commitment to NFCC’s small business owner financial coaching and education program.