Privacy Policy

By Bill Fay | January 23, 2018

Effective Date: January 22, 2021 This Privacy Policy (the “Policy”) describes the information LLC (“,” “we,” or “us”) collects from or about you through this website (“Site”), It also…

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

About Us

By Karen Carlson | January 3, 2018

About We are a team of financial experts dedicated to helping people understand and overcome their debt. Who We Are is America’s Debt Help Organization, serving the public…

Piggy bank with stethoscope and clip board

FINRA Study Says (Some) Americans’ Financial Health Improving

By Bill Fay | July 20, 2016

American consumers say they are having an easier time paying bills and are feeling much less stress over their financial situation than they were in 2009… unless they happen to…

Happy man with a new cellphone.

Stuck With Bad Credit Score? T-Mobile Offers Some Relief

By Bill Fay | May 26, 2015

Advertisers have teased American consumers forever with deals too good to be true and today’s boasts are more enticing than ever: Zero-percent financing on a new car and some credit…

Cinco De Mayo on a budget

A Bright, Beautiful And Cheap Way To Celebrate Cinco de Mayo

By Bill Fay | April 30, 2015

Cinco de Mayo celebrations are proof positive that Americans don’t look hard for reasons to party. A minor battle that took place 250 years ago in a neighboring country is…

Past due stamp

Grace Period Ends During Holidays For Millions Of Students

By Bill Fay | November 20, 2014

Forgive Steve Simon if he doesn’t get swept up in the excitement of the holiday season this year. Simon already knows what he’s getting for Christmas. “Another notice from Navient…

Get crafty this fall and winter to save money on home decor.

Money Saving Tip: Get Crafty with Holiday Home Decor

By Bill Fay | October 25, 2014

Tis the season to celebrate!  One of the most fun ways to celebrate  and get into the holiday spirit is to decorate your home for each upcoming season and holiday.…

Debt Glossary

By Bill Fay | August 7, 2013

Debt consolidation is a sensible solution for consumers overwhelmed by credit card debt. It can be done with or without a loan. Consolidation cuts costs by lowering the interest rate…