Staff Writer

Bents Dulcio

Bents Dulcio writes with a humble, field-level view on personal finance. He learned how to cut financial corners while acquiring a B.S. degree in Political Science at Florida State University. Bents has experience with student loans, affordable housing, budgeting to include an auto loan and other personal finance matters that greet all Millennials when they graduate. He has a prodigious appetite for reading, which he helps feed with writing from Scottish philosopher Adam Smith, the “Father of Capitalism.” Bents writing also has been published by JPMorgan Chase, TheSimpleDollar and

Whiteboard listing the pros and cons of chapter 7 bankruptcy

Chapter 7 Bankruptcy: Pros & Cons

By Bents Dulcio | September 22, 2021

The first bankruptcy laws date back to 16th century England. Back then, going bankrupt could mean a trip to debtors’ prison or even the gallows. Early bankruptcy laws focused on…

Payoff logo


By Bents Dulcio | September 17, 2021

Payoff brands itself as a “financial wellness company” with the goals of “reinventing our relationship with money” and “accelerating our journey toward financial well-being.” This sounds great on the surface,…

Using a personal loan for a home or a car is one way to apply it

Paying Off Your Mortgage Early

By Bents Dulcio | May 28, 2021

Signing a mortgage can be a bittersweet moment. You’re about to lock in your very own home, but you’re also committing to decades of debt. No wonder so many homeowners…

Woman transferring the balance of one credit card to another

Balance Transfer Credit Cards

By Bents Dulcio | May 27, 2021

A balance transfer is a way of moving the balance from one credit card to another to pay down debt. The new card typically comes with a promotional, low or…

Cell phone receiving call from a scammer

How to Stop and Report Phone Call Scams

By Bents Dulcio | May 24, 2021

Scamming people over the phone has become a low-risk, inexpensive and lucrative past-time for crooks and con-artists. Consumers reported losses of more than $285 million in November of 2019, according…

Calculating the benefits of paying off student loans or investing

Millennial Dilemma: Pay off Student Loans or Invest and Save

By Bents Dulcio | May 12, 2021

When you graduate from college with a costly, new diploma, instinct tells you to latch on to the first decent job offer an employer throws your way, and then whittle…

Wells Fargo

By Bents Dulcio | January 13, 2021

Borrowers who are in over their heads with high-interest credit cards and spiraling finances, can consolidate debts into a single payment. This process is called debt consolidation and a debt…

Upstart debt consolidation loan logo


By Bents Dulcio | January 11, 2021

Upstart uses artificial intelligence to look at over 1600 data points which include education level, area of study, and employment history; along with more standard qualifications like credit score and…

Prosper debt consolidation logo


By Bents Dulcio | January 11, 2021

In 2005, Prosper was the first company to bring lending to the peer-to-peer (P2P) marketplace. P2P marketplaces (i.e. Airbnb, Uber) offer individuals a place to exchange goods and services. Think…

National Debt Relief debt settlement logo

National Debt Relief

By Bents Dulcio | January 8, 2021

The deeper you sink into debt the harder it is to reclaim a sense of financial stability. If you’re drowning in high-interest credit card debt and have unpaid bills in…

Marcus debt consolidation loan logo


By Bents Dulcio | January 8, 2021

No fees and low-interest borrowing rates make Marcus debt consolidation loans a great option for consumers with good credit. A credit score of 660 or higher is enough to win…

LightStream debt consolidation loan logo


By Bents Dulcio | January 8, 2021

A debt consolidation loan is a new loan you take out to pay off your old ones. Rather than making four or five payments, four or five times a month,…

Freedom Debt Relief logo

Freedom Debt Relief

By Bents Dulcio | January 6, 2021

Is Freedom Debt Relief legit and can you get away with paying only a percentage of your debts just like that? FDR is a real company and its debt settlement…

Discover debt consolidation loan logo


By Bents Dulcio | January 6, 2021

A debt consolidation loan is a personal loan you use to pay off debt. This leaves you with the same amount of debt, but now only one payment to make,…

Avant debt consolidation logo


By Bents Dulcio | January 5, 2021

You could say Avant’s debt consolidation loans are targeted toward credit-building consumers. A FICO score of 580 is all you need to get your foot in the door. If your…

Money bag with student graduation cap

How Can I Refinance My Student Loans?

By Bents Dulcio | April 6, 2020

The constant drop in interest rates has allowed student loans to join mortgage and automobile loans in the marketplace for refinancing. The Fed’s moves threw open the door for student…

Chalkboard with text that says "Post-Grad Credit Counseling"

Post-Graduate Credit Counseling

By Bents Dulcio | February 19, 2020

When you graduate college, your priorities shift from football games and final exams to landing your first job, locking down an affordable apartment and repaying student loans. Here’s one more…

Vector of a businessman pushing scale changing credit information from poor to good

Credit Counseling vs. Credit Repair

By Bents Dulcio | February 7, 2020

They sound like different ways of saying the same thing, but credit counseling and credit repair are two completely different strategies for lifting yourself out of debt. Credit counseling is…

Young man and experienced credit counselor in session regarding student loans

Student Loan Credit Counseling

By Bents Dulcio | January 28, 2020

Repaying student loans can get complicated quickly. Which repayment program do you sign up for? Could you be eligible for forgiveness? Is there a penalty for repaying loans early? No,…

FHA loan paperwork

How to Get An FHA Loan

By Bents Dulcio | January 15, 2020

A lot of us dream of owning a starter home, either to shelter our growing families or as an early investment in our futures. A home, however, is the most…

Workers lined up for unemployment during the COVID-19 pandemic

$300 Federal Unemployment Benefits

By Bents Dulcio | August 27, 2020

If you are unemployed and your job prospects are grim, March 11th was probably one of the better days you’ve had during the pandemic. That was the day federal unemployment…

Graduated students with the burden of debt

Handling Student Loans During the Pandemic

By Bents Dulcio | August 12, 2020

COVID-19 has put a plug in the nation’s cash flow, forcing graduates to dig deeper into their pockets if they want to avoid drowning in student loan debt. The US…

Chalkboard with graph of rising credit card rates

Why Credit Card APR’s Are Rising, Despite Fed’s Third Rate Cut of 2019

By Bents Dulcio | November 4, 2019

Typically, a decrease in the federal funds rate means your credit card APR should fall as well, but that’s not what is happening lately in the U.S. economy. Banks have…

Pay Car Insurance

What to Do If You Can’t Afford Car Insurance

By Bents Dulcio | September 19, 2019

For most Americans, going carless is unthinkable. You need one to buy groceries, take kids to school, visit a doctor’s office and see friends and family from time to time.…

Disabled veteran in a wheelchair

President Trump Signs Order to Erase Student Loan Debt for Disabled Veterans

By Bents Dulcio | August 28, 2019

Lawmakers, economists and activist all have made headlines debating solutions to the $1.6 trillion student debt crisis burdening the lives of 44 million Americans. Some plans go as far as…