The Truth in Lending Act (TILA) protects consumers against unfair billing and lending practices, laying out rules for credit cards and home loans.| Debt.org
If you have leftover income, should you use it to pay off student loans or invest it? We did the math to help you decide.| Debt.org
Thinking about an interest-only mortgage? Understand how they work, the advantages and disadvantages, and more.| Debt.org
Learn about the different requirements for an FHA Mortgage, how to qualify, credit score minimum, comparison with conventional mortgages, and PMI Cost.| Debt.org
Recent economic troubles have changed the U.S. housing market, but for most of us who are buying a house, the traditional rules and cautions still apply.| Debt.org
The Consumer Financial Protection Bureau is a new federal agency created to protect consumers of financial products and services.| Debt.org
Most Americans don't know how much savings it takes for a comfortable retirement, and only a few more believe they can save the money for it.| Debt.org
You don’t have to be a millionaire to know what achieving that financial ranking means. Being a millionaire means you have crossed a huge economic| Debt.org
Learn about mortgage points, closing costs and the benefits and downsides of avoiding closing costs when you refinance your mortgage.| Debt.org
Seeing an increase in your mortgage payment can be a surprise, but it's likely caused by one of these five reasons. Learn more from the experts at Debt.org| Debt.org
Learn how you can use credit counseling to guide you through mortgages, reverse mortgages, pre-purchase counseling, rental assistance and avoid delinquency.| Debt.org
Peer-to-Peer lending connects borrowers with independent lenders. Learn about the advantages & disadvantages along with how P2P lending works.| Debt.org
Unemployment can severely reduce your ability to repay debts and usually requires a reassessment of your financial situation and budget.| Debt.org
Discharging student loans through bankruptcy is a difficult process but Debt.org can help you navigate your options.| Debt.org
While in the military, it may be hard to manage your money. Learn more about financial literacy, management & programs providing financial help to the military.| 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
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
Where to Get a Mortgage Pre-Approval, How Much You Can Qualify For, How to Get an Online Approval and Help for Bad Credit.| Debt.org
30-year fixed rate mortgages are a staple of the American home buying process. Learn about the advantages and disadvantages.| Debt.org
A 15-Year Mortgage can offer lower interest rates and payments. Learn if this is the right option for you and how it compares to a 30-Year Mortgage.| Debt.org
Looking for ways on how to cut costs? Explore 16 practical methods to reduce your expenses and start saving. Take action and improve your budget today!| Debt.org
Credit scoring models are used to help evaluate the creditworthiness of consumers. Learn about FICO, VantageScore and other scoring models.| Debt.org
Some lenders charge origination fees to process loans. Learn how origination fees are calculated, when they are due, and how to save on them.| Debt.org
Learn how compound interest works including information on what it is, how it is calculated & how to take advantage of accounts that offer compound interest..| Debt.org
Refinancing your mortgage can save you money, but take time to consider which type of loan is best for you and that there are closing costs to pay.| Debt.org
A mortgage modification can extend your mortgage loan term or lower your interest rate which can help homeowners afford payments or avoid foreclosure.| Debt.org
Home equity loans allow homeowners to borrow money on the equity of their home & repay at a fixed rate. Learn how to obtain the loan & its pros & cons.| Debt.org
Home equity represents your stake in your home, and learning to make good use of that value can make your financial life more secure.| 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
Different types of consumer loans & lines of credit provide options for consumers and businesses to better manage their financial situation & repay debts.| 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
Learn about foreclosures, why they happen, and how to avoid them in order to keep your mortgage above water and save yourself from losing your home.| Debt.org
Home equity loans can be used for debt consolidation by combining your debt into one place, making it easier to make your monthly payments. Learn more.| 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
Credit reports can be confusing. Learn general credit report information including when, where & how to get a credit report.| 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