The financial aid process can be a long and stressful one, but starting it well-equipped can streamline the journey.| Debt.org
Forbearance and deferment are options available to student borrowers who are unable to repay their student loans.| Debt.org
Found an error on your statement? Discover how to dispute a charge effectively. Follow these steps to get your money back today!| Debt.org
If you have debt in collections, it is important to make a plan to pay it off. Learn more about collections, how to pay your debt, and why you should pay.| Debt.org
The Consumer Financial Protection Bureau is a new federal agency created to protect consumers of financial products and services.| Debt.org
The Equal Credit Opportunity Act prohibits creditors from discriminating against consumers based on factors like race, religion, sex and age.| Debt.org
Home loans and refinancing can help you pay off other debts, but it still takes discipline to keep from falling back into a cycle of debt.| Debt.org
Charge-offs negatively affect your credit score. Learn what you can do to remove a charge-off & avoid damaging your credit rating further.| Debt.org
What happens to old credit cards after a balance transfer? Explore your choices and their impact on your credit score. Click to find out more and take control!| Debt.org
Unemployment can severely reduce your ability to repay debts and usually requires a reassessment of your financial situation and budget.| Debt.org
It can be intimidating when a collections agency contacts you to recoup debts. Here's what you need to know before paying them what they demand.| Debt.org
Struggling with debt? Find out if debt settlement hurts your credit. Get insights into credit scores, debt management, and recovery options. Click for more!| Debt.org
Consumer rights sound like it would be a given in America, but it wasn’t until the 1960’s that the government first acted to protect consumers. It started| Debt.org
Your credit score doesn’t update instantly. Learn how often your credit score updates & when credit bureaus report credit score changes.| Debt.org
Identity theft can happen to anyone. Learn what identity theft is, the different types, how to tell if you have been a victim & how to prevent your personal information from being stolen.| Debt.org
Federal laws protect personal credit & financial records which establishes security for consumers. Learn more about your rights as a credit consumer.| Debt.org
Learn how to find and identify all of the debts you owe, how to pay off your debts, and what to do if the debt is in collections.| Debt.org
Credit unions are nonprofits that offer members a cheaper price on financial services than some banks. Learn the advantages & disadvantages of credit unions.| Debt.org
Lenders use credit scores to determine your financial capability to repay a loan. Find out credit score minimums for different types of home loans.| Debt.org
Bankruptcy stays on your credit report for 7-10 years depending on which bankruptcy you file. Learn how long each type of bankruptcy affects your credit.| Debt.org
Credit scoring models are used to help evaluate the creditworthiness of consumers. Learn about FICO, VantageScore and other scoring models.| Debt.org
What are the penalties for defaulting on a loan? How you can get rid of debt even while defaulting on your obligations.| Debt.org
If you stop making credit card payments you can face serious consequences like fines, lawsuits and debt collector harassment. Learn more with Debt.org.| Debt.org
Learn effective strategies to lower your credit card interest rates today. Start saving by negotiating better terms with your lender!| Debt.org
New Stafford Loans were not issued after July 2010 - but millions of Americans still owe money on them. Learn about the nuances of this type of student loan.| Debt.org
Debt settlement is the process of negotiating a settlement in order to reduce debt. Learn about the debt settlement process and debt settlement companies.| Debt.org
The Fair Credit Reporting Act protects consumers’ personal financial documents and prohibits unfair actions by big companies and credit reporting agencies.| Debt.org
Chapter 13 bankruptcy allows you to propose a repayment plan to the court and creditors. Learn about qualifying and filing for chapter 13 bankruptcy.| Debt.org
There are 3 reporting bureaus that are responsible for calculating & distributing credit scores. Learn how they differ, how they operate & how to report errors.| Debt.org
Credit card interest rates are based on many factors & can be confusing to calculate. Learn what credit card interest is, how your rate is calculated, & tips for lowering your credit card interest rate.| Debt.org
Secured credit cards can be a great way to gain or rebuild your credit. Learn what secured credit cards are, their advantages & disadvantages, & how to get one.| Debt.org
Payday lenders use payday loans to exploit financial need by trapping you in a debt cycle with high interest rates. Learn about the disadvantages of payday loans.| Debt.org
Can you pay less than the minimum payment on a credit card? Learn the risks, steps to take, and legal options to avoid financial trouble today.| Debt.org
A Home Equity Line of Credit (HELOC) provides you with access to cash based on the value of your home. Learn how they work, and the pros and cons.| Debt.org
Know the different types of personal loans when applying for them. Learn the difference between secured and unsecured personal loans.| Debt.org
Ready to consolidate your debts? Find lenders who work with bad credit. Take action for financial freedom now!| Debt.org
A Debt Management Plan is a 3-5 year payment plan with reduced interest rates facilitated by a non-profit credit counseling agency to help repay debts.| Debt.org
Learn more about how medical debt in collections can impact your credit score, how to avoid medical collections, and how to pay off the debt.| Debt.org
There are various student loan options, both private and federal, available to for you choose from based on your specific financial needs.| Debt.org
If you fall behind on your car's monthly payment, your lender can take it back. Learn what car repossession is, how to avoid it, and how to get your car back.| Debt.org
Visit Debt.org to learn more about how to build and establish a strong credit score.| Debt.org
Lines of credit can be used for short-term emergencies or long-term projects. Learn which types may be most suitable for your situation.| Debt.org
Learning how to raise your credit score may mean the difference between a loan getting approved or denied. Use these tips to keep your credit score healthy.| Debt.org
Credit counseling can help if you're struggling with debt. Learn how credit counseling works, how to select the right agency, and how it can help you.| Debt.org
