Debt Management

Life can bring sudden changes to income and expenses. No matter what, managing debt is possible. We’ll help you understand how to best pay down your debt and move forward.

It’s becoming harder and harder for everyday Americans to manage their income, expenses and debt. Why? We think debt management is hard for three reasons:

Uneven income

More folks are freelancing or having to juggle multiple jobs. Uneven, “feast or famine” income means it’s harder to understand what you can pay off at any given month.

Increasingly severe expenses

For most of our readers, it’s an unexpected health expense — for either themselves or their loved ones.

Sophisticated (or, rather, increasingly confusing) financial products

It’s been a long-standing trend for lenders to offer products that, on the surface, are simple-to-understand, but which make them money in ways not obvious to the consumer. “Risk-based repricing”, changes to product terms, and hidden or opaque fees are the name of the game.

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Recent Articles

The Best Ways to Refinance Your Student Loans

Struggling to remain current on your student loans? So are nearly 1 out of 4 student loan holders. Approximately 44 million U.S. residents have student loans, and they’ve racked up a combined total of $1.3 trillion in debt. Of that total, around $31 billion loan payments are seriously delinquent, which means they’re more than 90 […]

Drowning in Debt? How to Find the Best Credit Hardship Programs

We’ve all been there…things seem to be going great, then out of nowhere, your spouse loses their job, or you are hit with an unexpected medical emergency. You are suddenly faced with mounting bills and late payments everywhere you turn. Sometimes you just need a little help to get your finances back on track! What […]

In Debt? These are the Best Credit Counselors

If you have at least $5,000 in unsecured debt, a consumer credit counselor can help you make sense of your finances and get your debt under control. There are non-profit and for-profit counseling agencies. As a general rule, a non-profit agency is your best bet because it doesn’t earn revenue through fees. Instead, these types […]

Credit Card Debt Consolidation: 4 Nonprofits You Can Trust

Ever stay up late watching made-for-TV movies and reruns of sitcoms? If so, you’ve probably seen some of the debt consolidation commercials that promise financial freedom in exchange for an “affordable” price. Spoiler alert: That price is usually affordable for the debt consolidation company, not you. You’ll shell out hundreds – possibly even thousands – […]

Which Credit Card Should I Pay Off First?

Americans owe a collective $3.9 trillion in outstanding consumer debt. While credit cards provide convenience, it’s easy for this type of debt to spiral out of control. And unlike cash – which disappears after you spend it – credit card debt can linger for years, long after you’ve forgotten what was purchased. Some experts suggest […]

5 Tips to Free Yourself From Debt in 2018

Planning to improve your money-management methods in 2018? More than 42% of New Year’s resolutions involve money-related matters, and 8.5% of Americans say they’re going to make better financial decisions in the coming year. We’ve got some bad news, though. Approximately 80% of New Year’s resolutions fail by February, and goals from hopeful resolutionists continue […]

Build Credit with a Secured Card: Tips and Tricks

If your financial situation may have taken a serious hit as a result of a foreclosure, having an account sent to collections or charged off, filing for bankruptcy, or some other type of serious financial scenario, a regular (or unsecured) credit card may be out of reach. Secured cards are a tried and true way for […]

What is a debt management plan?

One of the most overwhelming parts of being in too much debt is juggling all the payments. Payments typically come due throughout the month, and it’s easy to forget to pay a bill, further complicating your problem. It’s also hard to make sure you always have money available when different bills come true. While there […]

What happens to your debt after death?

Debt can have a powerful grasp on your finances during your life, but what about debt after death? Of course, we aren’t talking about debt haunting you after you die, but rather your debt continuing to haunt your loved ones after you pass away. Without adding in extra debt to pay off, your death will […]

Do-It-Yourself Debt Reduction Tactics

UPDATE: Kayla at has compiled a nice list of lenders offering debt consolidation loans. Check it out! Nobody intends to get in over their head in debt, but sometimes life has a way of overwhelming and taking us by surprise. This can especially happen with credit cards since it is so easy to run […]