Paying off a credit card is a great feeling and frequently the first step to financial freedom. However, you may think to yourself: “What next?” Should you keep the card open or close it entirely? It may be tempting to leave it open as an emergency fund, but the temptation credit cards cause make them […]…

For credit card companies, Christmas is a wonderful time of the year. Each holiday season, American consumers charge billions of dollars to their credit cards, accumulating bills that can take a whole year or more to pay off. Often, expensive purchases are accompanied by debt. Most American consumers end up accruing debt over the holidays […]…

College is the opportunity of a lifetime. It’s a time for students worldwide to pursue their studies, meet new friends, and learn more about their interests and disinterests. In preparation for college, most students focus on picking out dorm decorations, setting up their college apartments, and deciding what classes to take, often forgetting to weigh […]…

As the COVID-19 pandemic continues to impact communities across the world, countless individuals are facing a reduction in income or complete job loss. As a result, many people are struggling to keep up with their student loans, mortgage payments, credit card bills, and other debts. In fact, almost two-thirds of Americans with credit card debt […]…

Nearly 43 million Americans live with outstanding student loan debt. Loan borrowers who miss or delay paying their bills for 270 consecutive days go into what’s called “default” status. What many students in Arizona are unaware of is that defaulted federal student loans often end up in the hands of private debt collection agencies. This […]…

In America, having a bad credit score can pose major challenges. Landlords, employers, and banks all use credit scores as a way of establishing trust with potential tenants, employees, and borrowers. Without a good credit score, it can be difficult and expensive to make significant life purchases, such as a house or car. In fact, […]…

The cumulative U.S. student loan debt is at its highest value to date: 1.6 trillion dollars. Among students, veterans and service members hold 1 billion dollars in outstanding debt, affecting their ability to enjoy life. From being unable to purchase homes and having no other choice but to default their loans, the impact of chronic […]…