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Your Car Insurance Options

By Devin Joy | February 7, 2020

Shop Rates Now How to Get Cheaper Car Insurance For most Americans, going carless is unthinkable. You need one to buy groceries, take kids to school, visit a doctor’s office…

Top 5 Personal Finance Posts

Legislative Efforts to Cap Credit Card Interest Rates

How to Survive Inflation

Stimulus Checks for COVID-19 Relief

How the New FICO Credit Scoring System Will Affect You

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

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

The CFPB’s Work Is on Pause – What Does It Mean for Your Money?

Medical Debt To Be Removed From Credit Reports in 2025: What You Need To Know

When Do Student Loan Payments Resume Again?

Update on Biden’s Student Loan Forgiveness Plan

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How to Pay Off That Pandemic Credit Card Debt

It’s a Great Time to Consolidate Credit Card Debt

How to Get Out of Debt in 2020

How Payday Loans Work and Lower Cost Alternatives

Debt Consolidation Or Debt Management Could Help Cure ‘Holiday Hangover’

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Will There Be a Fourth Stimulus Check?

Third Stimulus Check

Details on the American Rescue Plan

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COVID-19 Bankruptcies

In Era of Trump, Has Bankruptcy Stigma Lost Its Sting?

3 Reasons To File For Bankruptcy

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Foreclosure Form

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National Debt Relief

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Goldman Sachs, the financial services company, has been around since 1869. Marcus by Goldman Sachs ...

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Discover launched with a single credit card product in early 1986, issued by Dean Whitter ...

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Thank You

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Thank You

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Thank You

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Thank You

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Financial Information Privacy Notice

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By Staff Writer

There are two paths of relief for those having trouble making payments on their federal student loans: Deferment and forbearance

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First Time Florida Homebuyers at their new house

Florida First-Time Homebuyer Programs

Buying a home in Florida can be challenging. Supply is tight and demand and prices ...

By Maureen Milliken | Mortgage

Happy First Time Homebuyer Couple

First-Time Homebuyer Programs

Traditionally, few achievements are more cherished in America than homeownership. We regard the home as ...

By Max Fay | Mortgage

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Managing Your Mortgage During Divorce

One unfortunate reality of marriage is that about half of them end in divorce, a world-changing ...

By Bill Fay | Mortgage

15 Year Mortgage Papers Being Signed By Applicant

15-Year Fixed Mortgages

There’s a lot to think about when buying a house. Deciding between a 15- or ...

By Bill Fay | Mortgage

Young man and experienced credit counselor in session regarding student loans

Student Loan Credit Counseling

Repaying student loans can get complicated quickly. Which repayment program do you sign up for? ...

By Bents Dulcio | Credit

30 mortgage paperwork

30-Year Fixed Rate Mortgage

For generations, the 30-year fixed rate mortgage has reigned, like hot dogs and apple pie, ...

By Max Fay | Mortgage

FHA loan paperwork

How to Get An FHA Loan

A lot of us dream of owning a starter home, either to shelter our growing ...

By Bents Dulcio | Mortgage

Tax Bracket written on a notebook on desk

Tax Brackets

The United States operates under a progressive tax code, which means — all things being ...

By Bill Fay | Tax

Ripping up a timeshare contract

How to Legally Exit a Timeshare Contract

Congratulations, you’ve bought a timeshare! If you are like a lot of people, your next ...

By Max Fay | Real Estate

Law book titled "Bankruptcy vs Debt Settlement"

Debt Relief vs Bankruptcy: Which Is Right for You?

Anyone struggling with overwhelming debt — and many Americans are, with household debt hitting a ...

By Max Fay | Bankruptcy

Graph of interest rates lowering

How To Lower the Interest Rate on Your Credit Card

Paying down a credit card balance has never been harder. That’s because interest rates have ...

By Maureen Milliken | Credit

Home sitting on cash taken out to refinance the mortgage

Cash Out Refinancing

If you own a home and need money, one of the first thoughts that might ...

By Bents Dulcio | Mortgage

Serious professional female advisor consulting client at meeting talking having business conversation

Best Credit Counseling Agencies

Home > Landing Page   Credit counseling agencies are a dime a dozen, but choosing ...

By Max Fay | Debt Help

Credit Counseling vs. Bankruptcy

Medical emergencies, job losses and even divorces can turn a solid financial base into mush, ...

By Max Fay | Bankruptcy

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Recognizing a Credit Repair or Credit Counseling Scam

Just making a phone call or clicking a link online to a credit counseling or ...

By Max Fay | Credit

A senior receiving credit counseling for credit card debt

Credit Counseling for the Elderly

We are never too old to learn a thing or two about how to manage ...

By Bents Dulcio | Credit

Petition for Bankruptcy papers and gavel

Pre-Bankruptcy Credit Counseling

Even if you weren’t a fan of the hit TV comedy “The Office,” you may ...

By Bill Fay | Bankruptcy

There are many different types of loans to help you fund your education.

Types of Student Loans

Though there are two major sources of student loans — federal and private – the ...

By Bill Fay | Students

Social security cards and 100 dollar bills in a pile

Social Security

More than 50 million people depend on Social Security benefits for part or all of ...

By Bill Fay | Retirement

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Debt Settlement

Advertiser Disclosure Expand Debt.org wants to help those in debt understand their finances and equip ...

By Bill Fay | Debt Help

Illustration of Debt Consolidation Companies Review

Companies

Home > Landing Page Debt.org compiled information on six of the top debt consolidation companies ...

By Bents Dulcio | Debt Help

Family trying to get a mortgage with bad credit

How to Get a Mortgage with Bad Credit

There’s a saying borrowed from an old blues song about luck. If not for bad ...

By Bill Fay | Mortgage

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Emergency Rooms vs. Urgent Care Centers

Differences in Urgent Care vs Emergency Room Costs Services Seeking medical care outside of an ...

By Bill Fay | Medical

Credit Card Debt Assistance Options

If your credit card debt is out of hand, don’t despair … you’ve got plenty ...

By Bill Fay | Credit

Blocks stacked with the question How should I consolidate my debt next to it

The 8 Best Debt Consolidation Options

Debt consolidation provides a solution to those dealing with the stress and financial fatigue caused ...

By Bill Fay | Credit

We have listed the pros and cons of consolidating your student loans to help you understand

Should You Consolidate Student Loans?

A college education doesn’t come cheap, as 44 million Americans can attest. Collectively, they have ...

By Max Fay | Students

Debt consolidation loan application with denied stamped on it

Top Reasons for Being Denied a Debt Consolidation Loan

Lenders don't hand out loans to just anybody. The more desperate you are for one, ...

By Bents Dulcio | Debt Help

Male senior with grey hair and glasses holding social security disability claim form in hand on table

How to Appeal a Social Security Disability Denial

About Social Security Disability Denial If you’ve suffered a catastrophic accident, or endured a harrowing ...

By Max Fay | Medical

Credit Card Debt Consolidation

7 Ways to Consolidate Credit Card Debt

If you're having difficulty managing credit card debt, you may want to consider consolidation. The ...

By Max Fay | Debt Help

Bad credit score

How To Get Out of Debt with Bad Credit

Severe debt and bad credit are a recipe for nightmares. If you have bad credit, ...

By Bents Dulcio | Debt FAQs

Debt consolidation vs credit card refinance

Credit Card Debt Consolidation vs Refinancing – Which Is Right for You?

Credit cards are amazingly handy tools. They allow you to pay for practically anything in ...

By Max Fay | Debt Help

Financial help for teachers

Student Loan Forgiveness, Grants, & Financial Assistance for Teachers

Teaching is both a profession and a calling. What it is not is especially lucrative. ...

By Max Fay | Debt FAQs

Debt Avalanche

What Is the Debt Avalanche?

Have you ever wondered how on earth you ended up with so many credit cards? ...

By Bents Dulcio | Debt FAQs

Health insurance umbrella

What is COBRA Insurance?

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. While that may not sound like ...

By Bill Fay | Medical

Do-It-Yourself Label

DIY Debt Consolidation: How to Consolidate Debt Yourself

Have you ever considered saving money (and reducing anxiety) through do-it-yourself (DIY) debt consolidation? If ...

By Bill Fay | Debt Help

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Medical Loans & Patient Financing

Health is priceless and illness can be very expensive. For a significant number of Americans, ...

By Max Fay | Medical

401k written on nest egg

401(k) Loans: Should You Borrow From Retirement?

When you need a loan, sources like banks, credit unions, online lenders and finance companies ...

By Bents Dulcio | Retirement

Folder with medical bills

Financial Assistance for Medical Bills

Think again if you believe having health insurance provides immunity from medical debt. Good insurance ...

By Max Fay | Medical

Low interest rate displayed on stack of coins

Best Low-Interest Consolidation Loans & Average Rates

If you’re losing the fight with high interest credit card debt, this might be a ...

By Bill Fay | Debt Help

Debt Consolidation Loan Alternatives

Taking out a debt consolidation loan is a good strategy for consumers trying to eliminate high interest ...

By Max Fay | Debt Help

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Financial Help and Resources for Alzheimer’s & Dementia Care

It’s a wrenching experience to witness loved ones suffering from Alzheimer’s disease or dementia, the ...

By Bill Fay | Medical

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Burial Funds & Programs That Help With Funeral Costs

Before we begin to navigate you through the process of paying for a funeral service, ...

By Bents Dulcio | Family

Baby putting money in piggy bank

Do Dave Ramsey’s Baby Steps Actually Work?

If you’re smothered under an avalanche of credit card debt, radio financial guru Dave Ramsey says don’t ...

By Mike Capuzzo | Debt FAQs

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How to Prepare for Divorce Financially

There is a lot of disagreement about what percentage of marriages that will end in ...

By Bill Fay | Family

Bill to pay the minimum payment on credit card debt on table with money

Paying Less Than Minimum Payment on Credit Card

Credit card balances can add up quickly, often causing the monthly minimum payment to skyrocket. ...

By Bill Fay | Credit

Senior citizens with bikes on the beach

Financial Assistance for Seniors: Government Programs and Debt Help

Events that have created woes for seniors in the last few years -- inflation, soaring ...

By Bents Dulcio | Debt FAQs

Pinching pennies for mortgage payment

How to Get Help with Mortgage Payments

If homeownership is the American Dream, then foreclosure is the national nightmare. Foreclosures have increased ...

By Bill Fay | Mortgage

Woman carrying child with special needs

Financial Help for Parents With a Special Needs Child

The cost of caring for a child with special needs can be frightening. It costs ...

By Max Fay | Debt FAQs

Hands clasped together in support of cancer patient

Financial Help for Cancer Patients

Cancer’s devastation is nearly boundless. It threatens lives, terrifies families and drains savings, undermining even ...

By Max Fay | Medical

Hand holding green ribbon as symbol of mental health awareness

Financial Assistance for Mental Health Treatment

*If you’re currently experiencing a mental health crisis or if you’re considering harming yourself or ...

By Max Fay | Debt FAQs

Man Filing Papers For Bankruptcy

Bankruptcy

What is Bankruptcy? Bankruptcy is a court proceeding in which a judge and court trustee ...

By Devin Joy | Bankruptcy

Financial Assistance for Diabetes Treatment

Diabetics find themselves in an increasingly uncomfortable position these days: If the disease doesn’t get ...

By Bill Fay | Medical

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Your Options When You Don’t Qualify for Bankruptcy

Bankruptcy could be an option if your financial picture is bleak, but you have to ...

By Bill Fay | Bankruptcy

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What to Do If You Can’t Pay Your Rent

Considering that more than one-third of people in the U.S. are living paycheck to paycheck ...

By Max Fay | Debt FAQs

Financial Help for Domestic Violence Survivors

Financial Assistance for Domestic Violence & Financial Abuse Survivors

Whether you’re plotting to leave an abusive relationship, or you’re already gone, know this as ...

By Bill Fay | Debt FAQs

Man standing in front of car with no money

Help! I Can’t Pay My Car Payment

If you've fallen behind on your car payments, chances are other bills are stacking up ...

By Bents Dulcio | Credit

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What Happens if You Don’t Pay Child Support?

According to the Office of Child Support Enforcement’s 2020 Preliminary Report, which includes its most ...

By Bill Fay | Family

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Financial Assistance for Single Parents

Raising a child is expensive. Doing it on your own is a scramble. Grants for ...

By Maureen Milliken | Debt FAQs

Widow with her child looking for financial help and assistance

Financial Assistance for Widows

The emotional toll of losing a spouse is incalculable. Unfortunately, bereavement is not the only ...

By Bill Fay | Debt FAQs

Judgement Proof Bankruptcy Books and Statue

What Is Judgment Proof?

How would you like to be deemed “judgment proof”? If nothing else, it sounds like ...

By Bill Fay | Bankruptcy

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Online Debt Consolidation

What Is Debt Consolidation? Debt consolidation is taking out a single loan to pay off ...

By Bill Fay | Debt Help

Utility Bills on table

What to Do When You Can’t Pay Your Utility Bill

If you’ve ever shivered through a sub-zero morning in Maine or sweated out a summer ...

By Maureen Milliken | Debt FAQs

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Non-Profit Debt Consolidation

What Is Nonprofit Debt Consolidation? Nonprofit debt consolidation combines your debt into one manageable monthly ...

By Maureen Milliken | Debt Help

SoFi Review from Debt.org

SoFi

Student loan debt is one of the leading causes of modern American stress, especially among ...

By Maureen Milliken | Debt Help

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Bad Credit

Bad credit has a negative impact on your day-to-day finances as well as your ability ...

By Bill Fay | Debt Help

Best Debt Management Companies Review

Best Debt Management Programs

Credit card debt is quietly – too quietly! – inching its way back into the ...

By Bents Dulcio | Debt Help

Man confused about his tax debt

#1 Tax Debt Advice – Payment Plans & Forgiveness Options

As calendar dates go, April 15 doesn’t exactly create the heart palpitations of December 25, ...

By Bill Fay | Tax

Timeshares are a dicey option, but are they a good investment?

Timeshares: Are They a Good Investment?

Be wary the next time you check into a resort and are offered a free ...

By Bill Fay | Real Estate

Buying & Owning A Home Like A Pro

Buying and Owning a House

Buying a house is usually the largest purchase any of us will make. It rarely ...

By Bill Fay | Real Estate

Consolidation loans and your options

Loans

What Is a Debt Consolidation Loan? A debt consolidation loan is a financial strategy to ...

By Bents Dulcio | Debt Help

Men talking about how to rebuild credit after a bankruptcy

How to Rebuild Your Credit Score After Filing for Bankruptcy

Personal bankruptcy is without a doubt a serious setback, but it can serve as a ...

By Bill Fay | Bankruptcy

Happy couple getting debt relief from counselor

Personal Loans for Bad Credit

Disruptive events rarely wait until it’s convenient, and that’s doubly true for consumers whose credit ...

By Bill Fay | Credit

Mortgage Loan on a computer keyboard

Mortgage Loan Modification

Even in the best of times, making monthly mortgage payments is rarely as comfortable as ...

By Robert Shaw | Real Estate

Questions asked about Tax Consequences

Tax Consequences of Debt Relief Services

If you used debt relief options – specifically, debt settlement – to escape severe financial ...

By Bill Fay | Tax

Two wooden figures representing people with solution in between them presenting the idea of compromise

Offer in Compromise: How to Settle Your IRS Tax Debt

What is an Offer in Compromise? An “Offer in Compromise” is a little-known but remarkably ...

By Bill Fay | Tax

Man filling out paperwork - Home Equity Loan

Home Equity Loans

Need some extra cash? Home equity loans are a convenient, low-cost way to borrow large ...

By Max Fay | Mortgage

Student Loan Refinance written on paper on top of desk

LendKey Review: What You Need to Know Before Refinancing Student Loans

LendKey, a relative newcomer to the field of student loan refinancing lenders, is a third-party ...

By Bill Fay | Students

Man avoiding taxes with tax loopholes - Illustration

Tax Loopholes & Credits to Reduce Your Bill

There’s an old accountant’s joke about the difference between a legitimate tax deduction and a ...

By Bill Fay | Tax

Man on Computer applying for a Home Equity Line of Credit

Home Equity Line of Credit (HELOC)

If you need extra cash, HELOCs are hot. Those letters stand for Home Equity Line ...

By Bents Dulcio | Mortgage

student loan debt infographic

What is the Student Loan Consolidation Program?

Why Consolidate Student Loans? It simplifies repayment and could save you money. It is quite ...

By Max Fay | Students

Piggy bank and money on American flag

Key Figures Behind America’s Consumer Debt

Debt remains an enormous issue for Americans. The recession that struck 15 years ago threw ...

By Bill Fay | Government

Young women happy standing in front of a light blue background

Review Your Personal Loan Options

Choose Your Debt Amount Get Loan Quotes Today Free to use, no hidden fees Requesting ...

By Bill Fay | Credit

Man working to improve his house with a cordless drill

Best Options for Home Improvement Loans

Outdated houses can be a pain to live in and difficult to sell, prompting U.S. ...

By Bill Fay | Mortgage

Money on a table with Student Debt written on a paper

Ways To Lower Your Student Loan Payment

Forget terrorism, climate change or a Jonas Brothers reunion tour. The biggest worry millions of ...

By Bill Fay | Students

Payoff Student Loan Debt

Lower Your Student Loan Interest

If this headline piqued your interest, then maybe the interest rate on your student loan ...

By Max Fay | Students

Gavel and paperwork for Bankruptcy Means Test

Chapter 7 Bankruptcy Means Test

When debt becomes completely unmanageable and nothing in the near term offers hope for a ...

By Bill Fay | Bankruptcy

Student Loan Forgiveness

Should I Refinance My Student Loan? Pros and Cons

If you’ve never considered refinancing your student loans, that’s almost certainly not the fault of ...

By Bill Fay | Students

How to Pay Military Taxes While Deployed

Do Soldiers Pay Taxes?

Tax season among members of the military is much like tax season among civilians: stressful. ...

By Bill Fay | Veterans

Man with no money because of compulsive spending

Debtors Anonymous

Debtors Anonymous is dedicated to helping people dig out of financial holes. These days, that ...

By Bill Fay | Debt FAQs

30 mortgage paperwork

Online Homebuyer Education Courses: Your Options

Home > Landing Page Four of the more popular online courses are HomeTrek, eHomeAmerica, Framework ...

By Max Fay | Mortgage

File Tax Return with cup of coffee

What to Do If You Did Not File Taxes

With the possible exception of trips to the dentist, filing tax returns is one of ...

By Bill Fay | Tax

Interest Rate for HELOC - Small House sitting on top of cash

Best HELOC Options

If you have faithfully made monthly mortgage payments and (hopefully) seen the value of your ...

By Bill Fay | Mortgage

Student Loan Refinance written on paper on top of desk

Best Student Loan Refinance Lenders

If you’re sinking into deeper debt with student loans, the decision to refinance could help ...

By Bill Fay | Students

GI Bill - Abraham Lincoln Face

GI Bill

The GI Bill is arguably the best benefit for veterans and members of the armed forces. It ...

By Bill Fay | Veterans

Businessman looking overwhelmed while going over taxes

I Can’t Pay My Business Taxes: Consequences and Tax Debt Relief Options

Fledgling entrepreneurs usually focus on the bright side of their small business plans, not contemplating ...

By Bill Fay | Tax

Vector hands holding smartphones with credit score app on the screen in flat style

How Does Bankruptcy Affect Your Credit?

When you file for bankruptcy, you should know that this negative mark will stay on ...

By Bill Fay | Bankruptcy

During a IRS tax audit - Text on top of people going through paperwork

What to Expect During an IRS Tax Audit & How to Prepare

Slightly more than one million taxpayers faced an Internal Revenue Service (IRS) audit of their ...

By Max Fay | Tax

Lawyer with sign that asks if you need a lawyer

Do I Need a Bankruptcy Attorney?

What Does a Bankruptcy Attorney Do? The word bankruptcy is so fraught with negative images ...

By Bill Fay | Bankruptcy

Filing income taxes with papers and charts

Income Taxes

Think of government as an engine and taxes as fuel. If you don’t fuel an ...

By Bill Fay | Tax

Team of doctors and nurses to show senior health care

Senior Health Care Options and Costs

The United States spends twice as much on health care as the rest of world’s ...

By Bill Fay | Medical

Credit Counseling Session

Credit Counseling

Credit counseling is designed to help consumers avoid bankruptcy and escape living paycheck-to-paycheck. Credit counselors ...

By Max Fay | Credit

Happy Nurse and Elderly Women in Assisted Living or Nursing Home

Assisted Living and Nursing Home Costs

Retirement often starts with high hopes and good health and, for those who saved, a ...

By Bill Fay | Medical

Student loan debt relief paperwork on desk

Student Debt Relief

Consumers are $500 million deeper in debt with student loans than credit cards. So, where ...

By Max Fay | Debt FAQs

Veteran and business owner shaking hands

Business Incentives for Hiring Veterans

Hiring a military veteran isn’t merely a noble gesture. It’s a sound business decision for ...

By Bill Fay | Veterans

VA Loan Papers and Money

How Veterans Can Get a VA Home Loan

Landing an extraordinary home loan probably isn’t anyone’s top reason for enlisting in the armed ...

By Bill Fay | Veterans

How does debt effect security clearance for our military personnel

How Debt and Bad Credit Affect Security Clearances

For those pursuing a life in the United States military — Army, Navy (including the ...

By Bill Fay | Veterans

Homeless women laying down showing poverty in the United States

Poverty in the United States

Poverty is the human condition of being unable to obtain or provide a standard level ...

By Bill Fay | Government

Two people sitting and discussing their medical student loan debt

How to Pay Off Medical School Loans Faster

Medical school is expensive. To put it in perspective, 2017 graduates with medical school debt ...

By Max Fay | Students

Tax Settlement

Death and taxes are life’s two great certainties, but every year a sizeable number of ...

By Bill Fay | Tax

Couple happy with debt consolidation alternative

Debt Consolidation

Curabitur arcu erat, accumsan id imperdiet et, porttitor at sem. Curabitur aliquet quam id dui ...

By Bill Fay | Debt Help

Man filling out form for bankruptcy

Chapter 11 Bankruptcy

Most people know more about the Chinese alphabet than the U.S. bankruptcy system. The most ...

By Bill Fay | Bankruptcy

Medical debt consolidation form surrounded by calculator, money and medicine

How to Consolidate Medical Bills

Inflation went on a rampage in 2022 as the economy staggered to fully recover from ...

By Bill Fay | Debt Help

Surgery is very expensive, but how has inflation affected the price?

Hospital and Surgery Costs

Health care is big business, and Americans with medical needs are paying the bill. In ...

By Maureen Milliken | Medical

Debt relief program with papers and calculator

How Do Debt Relief Programs Work?

Debt-relief programs offer consumers a pathway to financial freedom. These programs can help consumers deal ...

By Bill Fay | Debt FAQs

Two men exchanging money in peer to peer lending

Peer-to-Peer Lending

For peer-to-peer lenders, the Great Recession was manna from heaven. When banks clamped down on ...

By Bill Fay | Credit

Credit Report Score

Credit and Your Consumer Rights

The lives of American consumers are increasingly like open books: vulnerable to sophisticated cyber-snoopers capable ...

By Max Fay | Credit

Woman holding credit card with security overlay and word Protected

The Federal Consumer Credit Protection Act & How it Protects You

Consumer rights sound like it would be a given in America, but it wasn’t until ...

By Bill Fay | Credit

Businessman holding in focus card that says "Perkins Loan" with both hands with out of focus skyscraper window in background

Perkins Loan Information & Eligibility

The federal government discontinued the Perkins Loan Program on Sept. 30, 2017 in a continuing ...

By Cecillia Barr | Students

Busy Hospital

Medical Debt Relief

AVERAGE DAILY HOSPITAL COSTS$0 AVERAGE ANNUAL NURSING HOME RATE$0 MONEY SPENT ON HEALTH CARE IN ...

By Max Fay | Medical

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Medicaid Costs & Coverage

While the high cost of health care in America is a source of heated and ...

By Bill Fay | Medical

Tax date and calculator with money on a table

Tax Debt Relief

Of all the debts you can possibly owe, federal tax debt is the most unavoidable. ...

By Bill Fay | Tax

Hacker thief trying to steal your identity

What is Identity Theft?

Identity theft is the fastest-growing crime in America for the very obvious reason that most ...

By Bill Fay | Credit

Premiums are the primary source of revenue for insurance providers, which, in order to make a profit, must take in more money in premium payments than they pay out in benefits

Health Insurance Premiums, Deductibles, Copays and Coinsurance

Health insurance costs continue to soar in the United States, far surpassing the overall inflation ...

By Bill Fay | Medical

Soldiers Walking

Military & Veteran Debt Relief Options

Call Now: (888) 454-2316 - OR - Continue Online VETERANS IN THE U.S.0 Million UNEMPLOYED ...

By Bill Fay | Veterans

Illustration of Payday loans and lenders

Payday Lenders and Loans

Want to guess at a community’s financial health? Abandoned houses or vacant shopping centers are ...

By Bill Fay | Credit

House in debt and money

Mortgage Debt Forgiveness & The Mortgage Debt Relief Act

There is no happier day than when you open the front door of your new ...

By Bill Fay | Debt FAQs

Medical School Debt Name Tag

Medical School Loans: How to Refinance and Consolidate

As a doctor, you signed up to be our modern hero, the man or woman ...

By Mike Capuzzo | Students

Debt Relief, Just Ahead Green Road Sign Over Dramatic Sky, Clouds and Sunburst.

The Best Debt Relief Companies

What Is Debt Relief? Debt relief is when a borrower convinces a lender to reduce ...

By Bill Fay | Debt FAQs

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Law School Loans: How to Refinance and Consolidate

Jason Thomas went to law school for the money. The student loans never bothered him ...

By Max Fay | Students

Three young happy future dentistry doctors in class at dental school

Dental School Loans: How to Refinance and Consolidate

Dental school is expensive. Enormously expensive. Reports indicate a dental school education is the most ...

By Bill Fay | Students

What to do if you have medical debt

Medical Bills and Debt Collection

Managing and resolving medical debt these days might seem as impossible as world peace. Especially ...

By Michael Knisley | Medical

Loans you should try and avoid

Loan Scams and Loans to Avoid

Did you know that scam artists and predatory lenders come out of the woodwork during ...

By Sarah Brady | Credit

Man applying for a small money loan

How to Get a Small Dollar Loan

It’s a brutal world for the small money borrower in the big city. Consumers think ...

By Mike Capuzzo | Credit

Credit Report Dispute Form on the Computer

How to Dispute Credit Report Errors

Managing your financial life is tough enough without credit reporting errors setting you back. But ...

By Bill Fay | Credit

Medicare paperwork on folder

Medicare Cost & Medical Debt

Medicare, the federal government’s popular health insurance program for seniors (and younger people with permanent ...

By Bill Fay | Medical

Supreme Court Building

Credit Card Act of 2009

The Credit CARD Act of 2009 has saved consumers billions of dollars, and most of ...

By Bill Fay | Credit

Notebook with Get out of debt written in it with alarm clock and school supplies around it

Private Student Loan Debt Consolidation

Private loans represent only 10 percent of student loan debt, but that number — more ...

By Bill Fay | Students

Credit Reports: Scores, History & Other Credit Report Information

Understanding Credit Reports

If you plan to participate meaningfully in the U.S. economy, it is vital to examine ...

By Max Fay | Credit

Equal Credit Opportunity Act

The Equal Credit Opportunity Act (ECOA)

Americans have about 800 million credit cards in their wallets and purses. If laid end-to-end, ...

By Bill Fay | Credit

Credit Score Fluctuations

Credit Score Fluctuations

Credit scores are influential numbers because they usually determine the interest rates assigned to a ...

By Bill Fay | Credit

Credit cards are a type of revolving credit

Revolving Credit: What It Is & How It Works

Revolving credit is a loan with a predetermined spending limit that automatically renews as the ...

By Bill Fay | Credit

Consumer Money protected under umbrella - Financial Protection Bureau

Consumer Financial Protection Bureau

The Consumer Financial Protection Bureau (CFPB) is an independent agency under the Federal Reserve System. ...

By Max Fay | Credit

LendingClub Overview and Company Review

LendingClub

LendingClub is an online financial service that connects borrowers with loans that fit their needs. ...

By Maureen Milliken | Credit

Cash Advance Loans And What They Are Used For

Cash Advance Loans

  Almost 190 million Americans have a credit card and they will make about 30 ...

By Bill Fay | Credit

Secure Credit Card With Lock

Secured Credit Cards

If you don’t qualify for a traditional credit card because you have no credit history, ...

By Max Fay | Credit

Fraud Alert on a computer front of man

Consumer Fraud

Given the dramatic increase in the number of delivery systems bombarding American homes — television, ...

By Bill Fay | Credit

Colorful background with 3 Major Credit Bureaus in print

3 Major Credit Reporting Agencies

  To many American consumers, the three major credit bureaus — Experian, Equifax and TransUnion ...

By Bill Fay | Credit

Applying for HELOC on a smartphone

Using Home Equity Loans for Debt Consolidation

You’ve made mortgage payments for the past 15 years, your home has soared in value ...

By Bill Fay | Debt Help

Lady holding card that says, "Pay off your mortgage"

How to Pay a 30-Year Mortgage In 15 Years

Owning a home is a major financial commitment, and with relatively higher interest rates, paying ...

By Bents Dulcio | Mortgage

Credit Scam Phone Lock

How to Avoid Credit Card Fraud

Welcome to every consumer’s nightmare. For years, you’ve have used credit cards for everything from ...

By Bill Fay | Credit

Debt Arbitration

Debt Arbitration & Negotiation Services

Debt collection arbitration is a process for resolving unpaid debt that is seriously, sometimes hopelessly, ...

By Bill Fay | Credit

Credit Unions written on a computer screen

Credit Unions

Credit unions are nonprofit organizations that provide members the same financial services as banks, but ...

By Bill Fay | Credit

Credit Card Interest with many cards

How is Credit Card Interest Calculated?

Interest rates and credit cards have a powerful — and potentially explosive — relationship in ...

By Bill Fay | Credit

Repossession is a term used to denote a financial institution taking back an object that was either used as collateral or rented or leased.

Car Repossession

Watching somebody legally swipe a car can be entertaining in a movie. The downer comes if ...

By Bill Fay | Debt FAQs

Dave Ramsey Envelope System Explained: Pros, Cons and Alternatives

Dave Ramsey’s Envelope System Explained: Pros, Cons and Alternatives

Grab four quarters from your car’s ashtray and make a quick trip to the discount ...

By Bill Fay | Debt FAQs

Top 13 Ways to deal with creditors - Infographic

13 Ways to Deal with Debt Collectors & Agencies

The debt collection industry generates $11 billion a year from the 70 million Americans who ...

By Max Fay | Credit

Improve Credit Score

How to Increase Your Credit Score

There are a lot of tips and tricks on improving your credit score – and ...

By Bents Dulcio | Credit

Money and credit card costs with debt snowball

How to Use the Debt Snowball Method

We’ve all heard this one: Numbers don’t lie. And, probably, this one, too: You can ...

By Bill Fay | Debt FAQs

Man on Computer applying for a Home Equity Line of Credit

How Much Home Equity Can I Borrow?

It’s time to enlarge the kitchen, add that fourth bedroom before the new baby arrives, ...

By Mike Capuzzo | Mortgage

Dictionary definition of bankruptcy. Close up view, soft focus

What Are the Consequences of Bankruptcy?

Filing for bankruptcy can be a scary thought, in part because the fallout from filing is ...

By Bill Fay | Bankruptcy

Coins on stack stair as step growing growth and wooden cube block with word BUDGET

The Dave Ramsey Budget: Is it Realistic?

Dave Ramsey, the silky voiced straight-arrow with 13 million radio listeners built an eight-figure media ...

By Bill Fay | Debt FAQs

Paperwork for Charge offs on table with calculator

What Is a Charge-Off and How Does It Affect Your Credit?

The term “charge-off” means the business that gave you the loan, typically a card company ...

By Max Fay | Credit

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Fair Debt Collection Practices Act

The calls came like clockwork, several times a week just as the Pinkuses were heading ...

By Bill Fay | Credit

One out of three American adults – 77 million people — have credit files that show debts in collection.

Debt Collection Agencies and Your Rights

It’s easy to get behind on paying the monthly bills. The economy may have slowed ...

By Bill Fay | Credit

The Truth About Dave Ramsey: A Review of Dave’s Bad Math

What do you call it when someone tells one side of a story? Dave Ramsey ...

By Bill Fay | Debt FAQs

New & Used Car Loan Options

Auto Loans

You're in dire need of a vehicle but don't have the cash to buy it ...

By Maureen Milliken | Credit

Consolidation Calculator

Debt Consolidation Calculator

Debt consolidation lets borrowers combine multiple credit card debts into a new loan, a new ...

By Bents Dulcio | Credit

Loan Agreement between two parties

What Is a Loan Agreement?

Few people sail through life without borrowing. Almost everyone needs a loan to buy a ...

By Bill Fay | Credit

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Scholarship and Grants for Women, Minorities and Other Groups

There are billions of dollars awarded every year for grants and scholarships that target specific ...

By Bill Fay | Students

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Adjustable Rate Mortgage: How they Work, Pros and Cons

Adjustable Rate Mortgage - Universally known as ARMs – have cleaned up their image enough ...

By Bill Fay | Mortgage

Debt Collections Harassment

Debt Collection & Creditor Harassment

The definition of debt collector harassment is to intimidate, abuse, coerce, bully or browbeat consumers ...

By Bill Fay | Credit

The garnishment process can be complicated, we will help you navigate some of the terrain

Garnishment Process

Wage garnishment is a subject people want to avoid talking about, but if your wages ...

By Max Fay | Credit

The advantages and disadvantages of personal credit

What is a Line of Credit & How Does it Work?

A line of credit is a pre-approved loan that allows you to access the money ...

By Bill Fay | Credit

Books with PLUS loan and piggy bank

Parent PLUS & Graduate PLUS Loans

The Direct Loan program run by the U.S. Department of Education has two plans under ...

By Bill Fay | Students

History of Student Loan Interest Rates

Interest Rates on Student Loans

Student loans are meant to help individuals reach their higher education goals. Because of this, ...

By Max Fay | Students

Happy Couple looking at different mortgages

Types of Reverse Mortgages

Reverse mortgages allow homeowners 62 and older to extract home equity without selling their houses. ...

By Bill Fay | Mortgage

Student Loan Forgiveness

Student Loans and Loan Forgiveness

Latest News on Student Loan Forgiveness Student Loan Forgiveness remains a hot topic for the ...

By Bill Fay | Students

Employers are now offering student loan repayment as a benefit

Student Loan Repayment Benefit: How it Works, Company List & Payments

Move over 401(k) and health insurance plans, there’s a new company benefit tailored to the ...

By Max Fay | Students

Chapter 7 Bankruptcy

Online Bankruptcy: Get a Free Evaluation and Online Filing Options

The question ‘can you file for bankruptcy online’ is a tricky one in 2022. Because ...

By Bill Fay | Bankruptcy

Interest Rate for HELOC - Small House sitting on top of cash

How to Get the Best Rate on a HELOC

Once you know what a HELOC — a home-equity line of credit — is and ...

By Bill Fay | Mortgage

Privacy Policy

Reviewed Date: February 9, 2023 This Privacy Policy (the “Policy”) describes the information Debt.org LLC ...

By Bill Fay | General

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Credit Report Counseling

Here's what you get with Credit Report Counseling: Walk through your credit report, section by ...

By Devin Joy | Credit

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About Us

About Debt.org We are a team of financial experts dedicated to helping people understand and ...

By Max Fay | General

We can show you how to pay your debt even while being unemployed

Paying Your Debts While Unemployed

When you are unemployed, your life changes radically – professionally, psychologically and financially. Bills you ...

By Bill Fay | Jobs

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy

Choose Your Debt Amount Home > Landing Page Chapter 7 bankruptcy is a "second chance" ...

By Bill Fay | Bankruptcy

Should I File for Bankruptcy Questions

Should I File for Bankruptcy?

Bankruptcy is never anyone’s first choice. But if creditors are suing you, garnishing your wages, ...

By Bill Fay | Bankruptcy

We can help you create a budget for college. Here are some tips and resources for you to utilize.

College Budgeting: How to Save Money in College

College is often the first time students manage their own money, and learning how to ...

By Max Fay | Students

Tax Debt Help Form

Get Help With Your Tax Debt Learn your options with your tax debt in minutes. ...

By Devin Joy | Tax

3D Illustration of model homes on wood flooring with % sign inside

Today’s Mortgage Rates: How to Get the Best Interest Rate

[mlrates] What is a Mortgage Rate? A mortgage rate is the rate of interest charged ...

By Bill Fay | Mortgage

Different Types of Loans That Can Be Applied For Your Needs

Loans

Types of Consumer Credit & Loans Consumer loans and credit are a form of financing ...

By Bill Fay | Credit

How to get a Personal Loan - Man on a computer applying for loan

How to Get a Personal Loan: How to Qualify and Get a Low Rate

Once in a while, situations arise in which you might need a substantial chunk of ...

By Bill Fay | Credit

What is the best debt relief option for you. Our infographic will help you understand the pros and cons of each option

Debt Relief Options

Debt Relief and Reduction Debt is an unfortunate fact of life for many Americans. Taking ...

By Bill Fay | Debt FAQs

Build an Emergency Fund - Jar with money

Building an Emergency Fund

It was a dark and stormy night. Then things got really interesting when a tree ...

By Bill Fay | Debt FAQs

Paperwork for Student Loan Tax Deductions

Student Loan Tax Deductions & Education Credits

Amid all the cautionary advice to students about not borrowing too much to pay for ...

By Bill Fay | Students

Home on top of coins

Interest-Only Mortgages

Interest-only mortgages are structured in various ways, but they share a basic concept: Borrowers don’t ...

By Robert Shaw | Mortgage

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College Textbooks Cost Too Much 

Everyone knows the price tag for college rises every year, but even soaring tuition costs ...

By Max Fay | Students

Home Refinance papers, pen and money

Mortgage Re-Fi

To get a good deal on a refinance, consumers need to do their research, shop ...

By Bill Fay | Mortgage

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Income-Contingent Repayment of Student Loans

Note: In early 2025, online federal income-driven repayment (IDR) plan applications were paused, but you ...

By Bill Fay | Students

Papers to apply for the FASFA

Free Application for Federal Student Aid (FAFSA)

The Free Application for Federal Student Aid – far better known as FAFSA – is ...

By Bill Fay | Students

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How to Get a Mortgage

New government regulations and consumer protection laws force mortgage lenders to make a good-faith effort ...

By Bill Fay | Mortgage

Credit Monitor

Credit Monitoring Services

What is a Debt Management Plan? How can it help? A debt management plan is ...

By Bill Fay | Credit

Reverse Mortgage Home And Coins

The Reverse Mortgage: Pros and Cons

What is a Reverse Mortgage? A reverse mortgage is a type of home loan that ...

By Bill Fay | Mortgage

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How to Get the Best Interest Rate on a Mortgage

In truth, landing a mortgage with the best interest rate isn’t all that tricky and ...

By Max Fay | Mortgage

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

What Is Chapter 13 Bankruptcy? Chapter 13 bankruptcy is designed to assist individuals whose debts ...

By Bill Fay | Bankruptcy

Pre Approval Paperwork for a Mortgage

How to Get a Mortgage Pre-Approval: How Much and Help for Bad Credit

So you’ve finally found the home of your dreams. It has everything you ever want, ...

By Bill Fay | Mortgage

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How to Find a Bankruptcy Attorney: Where to Look and How to Choose

How To Choose A Bankruptcy Lawyer So, you’re in deep financial trouble. Behind on mortgage, ...

By Bill Fay | Bankruptcy

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Cost of Bankruptcy

How Much Does Bankruptcy Cost? Filing for bankruptcy helps consumers and businesses get rid of their debts, ...

By Bill Fay | Bankruptcy

See how to get student loans even with bad credit

Student Loans for Bad Credit

Debt consolidation is a sensible solution for consumers overwhelmed by credit card debt. It can ...

By Bill Fay | Students

Debt Recovery On A Puzzle Piece

What is Debt Recovery?

Debt recovery and debt collection are similar terms with one small, but very important distinction. ...

By Bill Fay | Debt FAQs

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College Expenses: How Much Does a College Degree Really Cost?

The term “sticker shock” was born in auto dealership showrooms, but it’s new home is ...

By Bill Fay | Students

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Debt and Discrimination

While banks and other lenders have the right and responsibility to gauge the financial fitness ...

By Max Fay | Debt FAQs

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How to Tell Your Kids about Your Debt

Two discussions give parents the cold sweats. Telling your kids where babies come from, and ...

By Bill Fay | Debt FAQs

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Financial Aid Process

The college financial aid process is long and it’s boring, but it can be a ...

By Max Fay | Students

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Private Student Loans for College

Private loans for college are fraught with negatives, including high interest rates and unforgiving repayment ...

By Bill Fay | Students

Financial Debt Advice

Debt Help Advice

If you want to hit the mute button on conversations at any dinner party, family ...

By Bill Fay | Debt FAQs

Annuity and Structured Settlement

Annuities and Structured Settlements

You’re unlikely to reach retirement age without somebody asking you about annuities. They want to ...

By Bill Fay | Debt FAQs

Education Cost For Children

How to Pay for Your Children’s Education

The cost for a college education has rocketed out of sight since 2000, but so ...

By Bill Fay | Students

Secured Loan

Secured Loans

What is a Secured Loan? A secured loan refers to a loan contract in which ...

By Bill Fay | Credit

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Aid Based on Your Career Choice

Want a scholarship or grant money for your education? The easiest way to accomplish that ...

By Bill Fay | Students

Merit-Based Scholarships & Grants

Merit-based scholarships could be the most misunderstood aspect of college financial aid, based on the common ...

By Max Fay | Students

Unsecured debt and what it means

Unsecured Debt

Unsecured debt is any debt that is not tied to an asset, like a home ...

By Max Fay | Credit

Inherit Debt Law Book

Can You Inherit Debt?

Statistically speaking, almost three out of four people are going to die with debt, which ...

By Bill Fay | Debt FAQs

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Student Loan Repayment Plans

Note: In early 2025, online federal income-driven repayment (IDR) plan applications were paused, but you ...

By Bill Fay | Students

Erase Debt

Debt Myths

Stories about the Loch Ness Monster, George Washington having wooden teeth and cracking your knuckles ...

By Bill Fay | Debt FAQs

Debt Advice for Older Parents

What to Tell Your Aging Parents about Debt

Retirement can be an idyll time or a struggle depending on how well you’ve prepared. ...

By Bill Fay | Debt FAQs

Managing debt is very important for Veterans, here are some options for members of the military

Debt Consolidation For Military Members & Veterans

In 2024, 45% of military households said debt was a problem for them. Sure, managing ...

By Bill Fay | Veterans

Illustration of 3 people standing atop of piles of books on laptops and looking at watch with growth arrow trending upwards in background

Managing Student Loan Debt

College graduation day is supposed to be fun, but it’s hard to celebrate when there ...

By Bill Fay | Students

Teach Kids About Money

How to Teach Your Children about Debt

Genes are important. A mother’s sparkling eyes or a father’s big feet are among the ...

By Bill Fay | Family

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Debt Management Programs

Home > Landing Page What Is a Debt Management Plan? How Can It Help? A ...

By Bill Fay | Debt Help

Overdue Notice

Do I Have Too Much Debt?

For American households, debt has become a way of life and in some of those ...

By Bill Fay | Debt FAQs

What to do if you can't pay your student loans?

What to Do if You Can’t Pay Your Student Loans

Note: Payments for federal student loans are suspended through May 1, 2022 » More Information here: ...

By Bill Fay | Students

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Need-Based Scholarships & Grants

Need-based scholarships and grants are exactly what their title indicates: money for students with a ...

By Max Fay | Students

What is a Stafford Loan?

A Stafford Loan was provided by the federal government to help college and university students ...

By Bill Fay | Students

Learn the difference between Debt Management and Settlement

Debt Settlement vs. Debt Consolidation

Debt settlement and debt consolidation share a common goal – help consumers find a way ...

By Bill Fay | Debt Help

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Pell Grants

A Pell Grant is the gold-plated financial award at colleges and universities for a lot of ...

By Bill Fay | Students

Personal Loan Agreement Options

Personal Loan Options

What Are Personal Loans? Personal loans used to be a simple part of the American ...

By Bill Fay | Credit

There are many different types of educational scholarships that you can use to aid in your journey

Scholarships & Grants for College Students

When an 18 year old is concerned about budgeting, you know the cost of college ...

By Max Fay | Students

Avoiding Debt

How to Avoid Landing in Debt

The best way to avoid debt is to be proactive about managing your money. Avoiding ...

By Bill Fay | Debt FAQs

What to know about upside down car loans

What To Do When Upside Down on a Car Loan

It doesn’t take long after you buy a car for it to be worth less ...

By Bill Fay | Credit

How to Get Out of Debt

How to Get Out of Debt: Debt Consolidation Advice

Mounting debts can undermine borrowers’ well-being and derail life plans. The metaphors commonly used in ...

By Pat McManamon | Debt FAQs

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Bankruptcy

Bankruptcy is a legal process that allows individuals or businesses who are unable to repay ...

By Bill Fay | Bankruptcy

Debt Lawyer, Gavel & Money

Do I Need a Debt Lawyer?

A debt lawyer is someone with the knowledge, credentials and skill to help consumers struggling ...

By Bill Fay | Debt FAQs

Over 4 million Americans have defaulted on their student loans. Here are some ways to take control of your student loans.

Using Rehabilitation Loans for Student Loan Default

Tens of millions of Americans struggle with a mountain of student loan debt and each ...

By Bill Fay | Students

Create and Manage your personal Budget

How to Create and Manage a Budget

Budgeting has a bad reputation among a lot of America households who view it as ...

By Bill Fay | Debt FAQs

Flow chart showing different branches of student loan repayment options

Income-Based Repayment (IBR) Plan for Federal Student Loans

Note: In early 2025, online federal income-driven repayment (IDR) plan applications were paused, but you ...

By Max Fay | Students

We will describe the difference of debt so that you may have a better understanding.

Good Debt vs. Bad Debt

The one thing that keeps most Americans up at night is not a lumpy mattress ...

By Bill Fay | Debt FAQs

If you are facing a partial financial hardship, this plan offers you the lowest monthly payment amount of the repayment plans based on your income

Pay As You Earn Student Loan Repayment (PAYE)

Note: In early 2025, online federal income-driven repayment (IDR) plan applications were paused, but you ...

By Bill Fay | Students

Dices are arranged in a word DEBT on a silver mouse trap

The Rule of 78 & Precomputed Interest

The Rule of 78 is a financing method that allocates pre-calculated interest charges that favor ...

By Bill Fay | Debt FAQs

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Public Service Loan Forgiveness

The Public Service Loan Forgiveness program was created in 2007 to offer federal student loan ...

By Bill Fay | Students

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Students & Debt

TOTAL U.S. STUDENT DEBT$0 Trillion STUDENT DEBT ACCRUED EVERY SECOND$0 AVERAGE STUDENT DEBT 2017$0 Financial ...

By Bill Fay | Students

We have listed the 6 emotional effects that debt have on you

Debt Stress and Mental Health

If you’re currently experiencing a mental health crisis or if you’re considering harming yourself or ...

By Michael Knisley | Debt FAQs

Man Gambling and in Debt

Gambling and Debt

Gambling is essentially anything that starts with the phrase “I bet…” And you can bet ...

By Max Fay | Debt FAQs

Getting a Loan From a Family Member: What to Know

Friends, family, and financial institutions may have more in common than you think. Millions of ...

By Bill Fay | Credit

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Debt Relief Options in Texas

Debt Relief Programs in Texas If you need debt relief options to help with credit ...

By Bill Fay | Government

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California Debt Relief

Debt Relief Programs in California California led the nation in Chapter 7 bankruptcy filings in ...

By Bill Fay | Government

There are many End-of-life options, but you need to consider the cost

End-of-Life Care and Hospice Costs

End-of-life decisions are always difficult, yet they’re necessary choices most Americans will face for themselves ...

By Maureen Milliken | Medical

Before you graduate you need to make a plan on how you will pay back your student loans

How to Pay Back Your Student Loans

Paying back student loans has become a challenge for more and more Americans each year. ...

By Max Fay | Students

Educational grant theme with pink piggy bank with chalkboard in the background as concept image of the costs of education

Aid Awarded By Your College

Are you aware of how much money colleges and universities give away with grants and ...

By Bill Fay | Students

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Graduate School

The steps needed to pay for graduate school are not a whole lot different than ...

By Bill Fay | Students

When is it time to retire

When Should I Retire?

There was a time when no two words were more closely associated with each other ...

By Bill Fay | Retirement

People standing in front of wall with Loan Forgiveness forum concept pasted on wall

Comparing Student Loan Discharge & Loan Forgiveness

The terms “student loan forgiveness” and “student loan discharge” are used interchangeably for a good ...

By Bill Fay | Students

Debt Consolidation Help

Get Help With Debt Consolidation Learn how debt consolidation works, and find out how much ...

By Devin Joy

Debt Relief Help

Get Debt Relief Help Learn how debt consolidation works, and find out how much you ...

By Devin Joy

Debt.org – Disclaimer, Terms and Conditions of Use

January 22, 2021 This website (“Website”) is operated by Debt.org LLC (“Debt.org”) and these terms and ...

By Max Fay

Debt Settlement Help

Calculate Your Debt If you are struggling to pay off your debts, debt settlement could ...

By Devin Joy

Tax Relief – Let Us Help You With Your Tax Debt

By Devin Joy

Student Loan Options

Best and Worst Student Loans: Pros and Cons

Student loan debt has soared in the U.S. to $1.777 trillion at the end of ...

By Bill Fay | Students

Debt Glossary

Debt consolidation is a sensible solution for consumers overwhelmed by credit card debt. It can ...

By Bill Fay | General

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Credit Card Debt Analysis

Credit card ownership begins as a privilege — the ability to make purchases before providing ...

By Bill Fay | Credit

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Manage Your Debt

Home > Landing Page Being in debt can be an overwhelming and debilitating experience. But ...

By Bill Fay

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Internships

An internship is a temporary position that provides on-the-job training in a student’s major or ...

By Bill Fay | Students

Closeup of young African American man sitting at table trying to understand such great sums in his bills

Understand Your Debt

Home > Landing Page Debt consolidation is a sensible solution for consumers overwhelmed by credit ...

By Bill Fay

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Family & Debt

Choose Your Debt Amount Consolidate Debt in Minutes AVERAGE COST OF A WEDDING IN THE ...

By Bill Fay | Family

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How Good is Your Credit Score?

Buying a house or a car? Taking out a loan? Select your 3-digit score to ...

By Bill Fay | Credit

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Tax Preparation Services

Filing your taxes is an important civic duty and a vital part of keeping the ...

By Bill Fay | Tax

Black football leans against three, gold edged books, unifying symbols of sports, academic, and learning achievement

Athletic Scholarships for College Students

Every year, millions of parents pay to place their children in youth sports programs in ...

By Bill Fay | Students

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Searching for a Job

With the advent of social media and an increasingly digital society, job hunting today isn’t ...

By Bill Fay | Jobs

Find out the different types of taxes and how they affect you

Types of Taxes

U.S. Supreme Court Justice Oliver Wendell Holmes once said, “Taxes are the price we pay ...

By Bill Fay | Tax

Disabled woman on the phone reading a letter sitting on a couch in the living room at home

What is Social Security Disability Insurance (SSDI)?

Facing any interruption in income is stressful but staring at a lengthy or even permanent ...

By Bill Fay | Medical

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Retirement Plans

Saving money for retirement is important for ensuring long and comfortable work-free years. It’s all ...

By Bill Fay | Retirement

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21st Century Job Market

Society is constantly changing, and the professional world has been forced to adapt with it ...

By Bill Fay | Jobs

Medical Debt Help

Are You Struggling with Credit Card Payments due to Outstanding Medical Bills? Learn how you ...

By Devin Joy | Medical

Here are a few blue book prices for the doctor office

Doctor Visit Costs

New procedures, medication and treatment options have vastly improved the medical profession’s ability to diagnose ...

By Bill Fay | Medical

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Minimum Wage

The federal minimum wage is the lowest hourly wage an employer can legally pay, with ...

By Bill Fay | Jobs

ObamaCare and Associated Costs

The Patient Protection and Affordable Care Act (PPACA), also known as ObamaCare, was signed into ...

By Bill Fay | Medical

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Credit Cards

At its base, card ownership is a limited personal loan to you, whenever you need ...

By Bill Fay | Credit

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Child Support

Child support is a legal obligation that a biological parent has for providing for the ...

By Bill Fay | Family

The Fair Credit Reporting Act (FCRA) is a federal law created to protect consumers and their personal financial information

Fair Credit Reporting Act

Are you worried about identity theft and someone ruining your good credit name? The Fair ...

By Bill Fay | Credit

3D Model of letters "FTC" with a gavel behind them

Federal Trade Commission Act

The Federal Trade Commission, launched in March 1915, was created in response to a groundswell ...

By Bill Fay | Credit

Photo of model bride and groom arm in arm walking on pile of change with groom tipping his hat

How to Avoid Going into Debt for a Wedding

Weddings are significant and important milestones in every society and culture. They celebrate and solemnize ...

By Bill Fay | Family

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Bringing Debt into a Marriage

Marriage is an intricate arrangement. Two separate individuals decide to join together to form a ...

By Bill Fay | Family

2023 Infographic full of charts, graphs and data to understand the demographics of finances

The Demographics of Household Debt In America

American household debt is on a relentless upward trajectory. It was at a record $18.20 ...

By Maureen Milliken | Government

What to do and how to avoid predatory lending

What Is Predatory Lending?

In the wild, predators seek the vulnerable and unsuspecting. The financial world has its own ...

By Bill Fay | Credit

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How Military Spouses Deal with Benefits and Debt

Military spouses and dependents share in the benefits earned by service members and that often ...

By Bill Fay | Veterans

What to do With Retirement Accounts After Death

What to do With Retirement Accounts After Death

The U.S. government created retirement accounts as investment vehicles for people so they could save more ...

By Bill Fay | Retirement

U.S. Unemployment

The Employment Report put out monthly by the U.S. Bureau of Labor Statistics (BLS) is ...

By Bill Fay | Jobs

Stressed senior Asian couple looking over papers, calculator and laptop to pay bills

Avoid Debt as a Senior

Before the creation of the nation's Social Security system in the 1930s, 75 percent of ...

By Bill Fay | Retirement

3D Render of puzzle like U.S model with weight on top labeled "DEBT"

Learn About the National Debt

When a government or organization spends more money than it has available, a deficit is ...

By Bill Fay | Government

Photo of amount financed detail of the standard federal truth in lending section on an automobile purchase form

What Is the Truth in Lending Act (TILA)?

There has always been a lot of lending in the United States. There hasn't always ...

By Bill Fay | Credit

Illustration of types of Ecommerce on different platforms

Electronic Fund Transfer Act

In 1979, the Electronic Fund Transfer Act (EFTA), also known as Regulation E, was implemented ...

By Bill Fay | Credit

This has what businesses need to know about sales tax

Sales Tax for Small Business

Collecting, calculating, reporting, and paying sales tax continues to be one of the most confusing ...

By Maureen Milliken | Small Business

How do small businesses handle their debt?

How to Deal with Small Business Debt

Businesses, like individuals, sometimes suffer from too much debt. Taking on the right amount of ...

By Bill Fay | Small Business

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Debt Relief Options in Michigan

Debt Relief Programs in Michigan For the residents of the Great Lake State there are ...

By Bill Fay | Government

Debt.org: Search Results

Debt.org: Search Results Menu Collection Agencies Debt Collection & Creditor Harassment Can Debt Collectors Track ...

By Devin Joy

Small Business Administration

The U.S. Small Business Administration (SBA) was created by Congress in 1953 as an independent ...

By Bill Fay | Small Business

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Debt Relief Options in Virginia

Debt Relief Programs in Virginia If you need debt relief in Virginia, credit counseling agencies ...

By Bill Fay | Government

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Debt Relief Options in New Jersey

Debt Relief Programs in New Jersey New Jersey residents struggling with credit card debt have ...

By Maureen Milliken | Government

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Debt Relief Options in Massachusetts

Debt Relief Programs in Massachusetts Massachusetts residents who need help eliminating credit card debt have ...

By Maureen Milliken | Government

Debt Relief Options in Ohio

Debt Relief Programs in Ohio Several options exist to provide relief for those burdened by ...

By Bill Fay | Government

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Debt Relief Options in Pennsylvania

Debt Relief Programs in Pennsylvania Pennsylvania debt relief is available through banks, credit unions, online ...

By Maureen Milliken | Government

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How to Make Groupons Work for a Small Business

Groupon doesn't work for all businesses — there are too many disappointed clients for that ...

By Bill Fay | Small Business

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What to Do with Gift Cards to Businesses That Are Out of Business

Gift cards are always popular gift choices. They're appropriate for any occasion, they never go ...

By Bill Fay | Small Business

An infographic demographic breakdown of the economics of Democrats includes location, married status, income, age, education and race.

Economic Demographics of Democrats

The U.S. economy has been on the forefront of Americans' minds for several years, and ...

By Bill Fay | Government

Who are the Republican voters, where they live, what they believe and how they relate to the rest of America.

Economic Demographics of Republicans

It's a good time to take stock of the Republican Party's status. The year 2012 ...

By Bill Fay | Government

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Prioritizing Your Bills as a Small Business

Should a sudden financial calamity or cash-flow crisis arise in your small business, you must ...

By Bill Fay | Small Business

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How to Juggle Your Small Business Finances and Make Payroll

At one time or another, most small businesses face a cash flow problem — money ...

By Bill Fay | Small Business

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How to Handle Tax Delays as a Small Business

Just as it does with individual taxpayers, the Internal Revenue Service (IRS) expects all small ...

By Bill Fay | Small Business

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Small Businesses and Benefits Packages

There are approximately 33.2 million small businesses (less than 500 employees) in America, according to ...

By Bill Fay | Small Business

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Obtaining Credit for a Small Business

As every small business owner knows, financing is essential to the success and growth of ...

By Bill Fay | Small Business

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Sources of Financing for Small Business

Approximately 80 percent of the estimated 27.5 million U.S. small businesses – defined as those ...

By Bill Fay | Small Business

Small Business

Choose Your Debt Amount SMALL BUSINESSES IN THE U.S.0 Million SMALL BUSINESS CLOSURES 2008-20100 SMALL ...

By Bill Fay | Small Business

Obama and Romney 2012 Election

Consumer Debt and the 2012 Presidential Election

Consumer debt is quickly becoming one of the biggest issues in the 2012 presidential election. ...

By Bill Fay | Government

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Debt Relief Options in Florida

Debt Relief Programs in Florida Debt relief is available in Florida to those who feel ...

By Bill Fay | Government

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Debt Relief Options in New York

Debt Relief Programs in New York If you need debt relief in New York, credit ...

By Bill Fay | Government

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Using Social Media for a Job Search

Using social media websites is now one of the most effective ways to connect with ...

By Bill Fay | Jobs

How to take on and avoid default loans

Defaulting on Your Loans

A default on any loan is going to severely damage your credit score and leave you vulnerable ...

By Bill Fay | Credit

Young male putting up a sale sign in front of his house on walkway

Selling a House

If you own a home, these things are true: At one time, you probably bought ...

By Bill Fay | Real Estate

What Is Debt Collection?

The picture that many people have in mind when they think about the stereotypical debt ...

By Bill Fay | Credit

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Debt Disputes

Having to confront the consequences of outstanding debts can be an upsetting and worrisome experience. ...

By Bill Fay | Debt FAQs

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How to Prioritize Retirement Savings vs. Debt Payoff

You want to save for retirement, but you're still getting billed each month for old ...

By Bill Fay | Retirement

student loan bankruptcy

Bankruptcy & Student Loans

More than four million borrowers have defaulted on student loans, but if they’re hoping bankruptcy ...

By Bill Fay | Students

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Credit Unions & Debt

Some borrowers who are looking for trustworthy lenders are simply swayed by news out of ...

By Bill Fay | Credit

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Short Sales

A short sale of a house happens when a lender agrees to release a homeowner ...

By Bill Fay | Real Estate

We have listed some ways to avoid foreclosure

Foreclosure Defense

Foreclosure Defense Facing foreclosure? Call for nonprofit help. Depending on your situation, you may be ...

By Bill Fay | Real Estate

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Blog

By Devin Joy

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Federal VA Benefits & Programs

Benefits for America’s military veterans go back to 1636 when the Pilgrims passed a law ...

By Bill Fay | Veterans

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The Federal Government and Debt

Article 1, Section 8, of the U.S. Constitution empowers Congress to borrow money against the ...

By Bill Fay | Government

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Credit Monitoring, Credit Reporting Services and Identity Protection

Consumers’ financial identities are always at risk. A single late payment might bring down your ...

By Bill Fay | Credit

How often does your credit score change

How Often are Credit Scores Updated?

Every consumer should be interested in their credit score, especially if they are considering a ...

By Bill Fay | Credit

ATMs

10 Ways Banks Take Advantage of You

Banking used to be simple. Bankers lived by the 3-6-3 rule — borrow at 3 ...

By Bill Fay | Debt FAQs

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How to Establish and Build Credit

Where can you go in today’s economy with good credit? Just about anywhere! Where can ...

By Bill Fay | Credit

Office binder labeled "Insolvent" next to glasses, calculator, pens, and paper on table

What Is Insolvency?

You can be insolvent without being bankrupt, but you can’t be bankrupt without being insolvent. ...

By Bill Fay | Debt FAQs

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Bankruptcy Court

Bankruptcy laws go all the way back to the U.S. Constitution and have seen many ...

By Bill Fay | Bankruptcy

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Health Professions: Loans for Medical and Nursing School

The demand for doctors and nurses in the United States is extremely high, but so ...

By Bill Fay | Students

Veterans Jobs Wanted

Veterans, Jobs and Unemployment

Prospects for U.S. veterans returning to the civilian workforce have improved dramatically since the Great ...

By Bill Fay | Veterans

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How to Manage Your Finances When Serving in the Military

Every branch of the military recognizes that managing your finances as a soldier is a ...

By Bill Fay | Veterans

Good and Bad Credit Cards Being Cut Up

Signs of Good and Bad Credit Cards

The selection process for credit cards has become a lot like choosing a new car: ...

By Bill Fay | Credit

Bankruptcy Statistics

Bankruptcy is a scary notion to many, but for those caught in challenging financial situations ...

By Bill Fay | Bankruptcy

Multi ethnic group sitting in lobby keeping to themselves awaiting job interview

Finding a Job in Your 40s & Beyond – Strategy & Advantages

The recent recession battered all segments of the U.S. economy, erasing 8 million private sector ...

By Bill Fay | Jobs

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How To File For Unemployment – Claims & Benefits

If you were laid off from your job and are worried about having enough money ...

By Bill Fay | Jobs

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Jobs & Unemployment

Choose Your Debt Amount Consolidate Debt in Minutes AVERAGE UNEMPLOYMENT RATE IN 20120% NUMBER OF ...

By Bill Fay | Jobs

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Banks, Credit Unions & Savings Institutions

American banks offer a smorgasbord of investment options. From commercial and savings banks to credit ...

By Bill Fay | Credit

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Understanding Home Equity

Home equity is the difference between how much your home is worth and the outstanding ...

By Bill Fay | Real Estate

Credit Solution Strategies

Credit Solutions

Each one of these 3 credit solutions can be a viable solution for getting out ...

By Bill Fay | Credit

Wooden model of home in front of womans hand browsing laptop with documents on desk

Using Real Estate to Take Control of Your Debt

If you have a load of unsecured debt, such as high credit card balances, your ...

By Bill Fay | Real Estate

Foreclosure is a major issue in the US and we will help you understand it

Foreclosures

Foreclosure means a lender is looking to take possession of a home when the borrower ...

By Maureen Milliken | Real Estate

Downsizing your home to help you save money

Downsizing Your Home to Reduce Debt

If you’re in over your head with credit cards and unsecured loans, a number of ...

By Bill Fay | Real Estate

The U.S. Capitol Building

Taxes

Choose Your Debt Amount AVERAGE FEDERAL TAX RATE0% TAXES COLLECTED BY FEDS IN 2011$0 Trillion ...

By Bill Fay | Tax

Small model of elderly couple on calculator button that says "tax"

Tax Implications of Retirement Plans

If you take the advice of financial experts and start planning for retirement in your ...

By Bill Fay | Retirement

Retirement & Debt

  Choose Your Debt Amount Consolidate Debt in Minutes AMERICANS TURNING 65 EACH DAY 0 ...

By Bill Fay | Retirement

Real Estate

AMERICANS WHO OWN THEIR HOME0% TOTAL MORTGAGE DEBT IN THE U.S.$0 Trillion FORECLOSURE FILINGS IN ...

By Bill Fay | Real Estate

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Homepage

See what debt-free feels like Debt.org is America's Debt Help Organization, serving the public with ...

By Bill Fay

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Retirement: How Much Should I Save Each Month?

Do you know how much money you should be saving each month for your retirement? ...

By Bill Fay | Retirement

Young male student gazing into distance holding piggy-bank in front of university building

Credit Unions & Student Loans

Many students take out private loans to cover their college costs, but many lenders today ...

By Bill Fay | Credit

Two money bags and a paper model of house balancing on wooden scale

Credit Unions & Real Estate

Traditionally, banks have provided the bulk of American mortgages. Freddie Mac and Fannie Mae, two ...

By Bill Fay | Credit

Error Try Again

We are having a problem processing your submission. Please call (877) 764-5798 to speak with a certified financial ...

By Devin Joy

Bankruptcy Law Books

Credit Protection Laws: The Consumer Credit Protection Act

Your consumer credit rights are protected in large part by the Consumer Credit Protection Act ...

By Bill Fay | Credit

Credit Scores

Credit Scoring Models

There are several models used to determine a credit score, so your score for an ...

By Bill Fay | Credit

Last Will & Testament

Who Is Responsible for Debt After Death of a Relative?

A 2016 study by Experian, one of the three largest credit bureaus in the U.S., ...

By Bents Dulcio | Family

Businessman in work attire facing away from the camera looking at a wall of question marks and money bags

Debt FAQs

Your finances are an important part of your life and future. Financial responsibility and sound ...

By Bill Fay | Debt FAQs

Young girl leaning on table looking over scattered coins and a jar of coins

What Age Should I Start Saving Money?

So what age is the right age to start saving money for your future? The ...

By Bill Fay | Retirement

Happy smiling older couple sitting together on couch calculating coins in piggy-bank

How Much Do I Need to Save for Retirement?

While many people prioritize the need to save for retirement, they don’t always have an ...

By Bill Fay | Retirement

Department Store

Credit

Credit is when a bank or business gives you something of value now with a ...

By Sarah Brady | Credit

Divorce Decree

Divorce and Debt

You’ve probably seen video of a surfer shooting through a pipeline in a wave. It's ...

By Bill Fay | Family

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