Staff Writer

Max Fay

Max Fay has been writing about personal finance for Debt.org for the past five years. His expertise is in student loans, credit cards and mortgages. Max inherited a genetic predisposition to being tight with his money and free with financial advice. He was published in every major newspaper in Florida while working his way through Florida State University.

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DOGE Now Has Access to Student Loan Data: How to Stay Protected

By Max Fay | March 12, 2025

If you’re one of over 40 million Americans who’s ever had a federal student loan or student aid, you may be at risk of identity theft or other security threats…

How to Avoid COVID-19 Scams

By Max Fay | November 9, 2020

You don’t have to catch the virus to get harmed by COVID-19. As soon as the pandemic hit, scams arose to take advantage of people’s fears. In 2020, Americans have…

How Biden & Trump Tax Policies Compare

By Max Fay | October 2, 2020

The gap between the presidential candidates on tax programs is Grand Canyon-esque. And that may understate it. President Donald Trump wants to continue the 2017 tax cut, which his campaign…

Payroll Tax Deferral: Is It Worth It?

By Max Fay | September 11, 2020

Many American businesses are disregarding President Trump’s order allowing them to temporarily stop withholding Social Security taxes from their employees’ paychecks. The plan, they say, is confusing and won’t produce…

It’s a Great Time to Consolidate Credit Card Debt

By Max Fay | August 27, 2020

If you’re considering a consolidation loan to sweep away credit card debt and lower your monthly interest payments, do it! There couldn’t be a better time. All you need is…

New Federal Unemployment Benefits Proposed in the HEALS Act

By Max Fay | July 27, 2020

If you’ve lost your job due to the coronavirus crisis, your unemployment benefits are likely to decrease very soon. It’s just a question of how much. That will be decided…

Hazard Pay for Essential Workers

By Max Fay | June 1, 2020

“You deserve hazard pay for that job!” All of us probably have either said that or someone said it to us, and it’s almost always a tongue-in-cheek expression of sympathy…

The Future of the Public Service Loan Forgiveness Program

By Max Fay | March 8, 2018

President Trump’s latest budget proposal to Congress calls, once again, for the elimination of the Public Service Loan Forgiveness (PSLF) program. This is the second time Trump has recommended eliminating…

Millennials Using Side Jobs to Pay Off Debt

By Max Fay | August 2, 2017

In the words of rapper/philosopher Jay Z: “You can’t knock the hustle.” Millennials are having to hustle to pay their student loan debt. Over 44 million American have student loan…

Why Millennials Aren’t Buying Homes

By Max Fay | December 14, 2016

Data shows that homeownership among millennials is down, but that doesn’t mean they aren’t interested in buying a home. In the last two decades, homeownership in the U.S. has declined…

Changes to FAFSA Benefits Students

By Max Fay | October 25, 2016

You’re a college student, and life feels grand. You have your classes picked out for next semester, and you’ve signed a lease through next year. Everything is falling into place.…

How to Host a Frugal Frozen Birthday Party

By Max Fay | September 15, 2014

I thought we could avoid it. I promoted alternatives. But it was inevitable. My daughter asked me to throw her a Frozen birthday party, like the half dozen we’d already…