Opting for Student Loans? Here’s How to Make the Most of the Transaction

This is a sponsored conversation written by me on behalf of Navy Federal, who also may pay us if you sign up through our links to their services. However, the opinions and text are all mine. These days, student loans are getting a bad rap. Collectively this is probably justified given the job market, high […]

Credible Review: A Marketplace for Student Loan Refinancing

If you’re one of the 40 million Americans carrying student loan debt, refinancing may be a way to reduce your loan costs and ease the debt burden. However, finding a reputable lender can be a stressful endeavor for borrowers, since the student loan refinancing marketplace is still a relatively new one. That’s where Credible comes […]

The Best Personal Loan Sites For Your Credit Score (in 2016)

Personal loans can be a convenient way to get cash to cover a short-term financial hurdle. They are also a popular tool for consolidating and eliminating high interest credit card debt—and their fixed interest rates and payments can certainly save some borrowers money. However, since personal loans are unsecured, just like credit card debt, borrowers […]

SoFi Review: Loans for Responsible Borrowers

In 2011, four students at the Stanford Graduate School of Business had a novel idea for how to help their fellow Stanford students afford their student loans: What if established Stanford alumni could invest in current students and recent grads by refinancing their student loans? The investors would receive a nice return and feel good […]

The 7 Best Student Loan Refinancing Options (2016 Update)

Student loan debt is a tricky beast. Not only do student loans now account for $1.2 trillion, student debt is currently the second biggest source of personal debt after mortgages. The big difference between a mortgage and a student loan, however, is the fact that refinancing a mortgage is a (relatively) simple and well-known process, […]

What to Expect When Borrowing from Lending Club

Peer-to-peer lending is arguably one of the greatest financial innovations of the past few years, especially for borrowers. The peer-to-peer model allows borrowers to access loans at better rates than they could get through traditional banks because they are borrowing from individual investors, rather than monolithic banks. The lenders/investors are also able to get a […]

Strategically Pay Down Your High-Interest Credit Card Debt with Payoff.com

***Update*** Payoff recently announced they will now provide monthly access to FICO® Scores for free beginning January 2016 to its members who have refinanced their credit card balances with a Payoff Loan. Payoff Members will have access to their FICO Score, as well as trending information and educational resources describing factors contributing to their score. […]

5 Traps that Will Rob You of Your Financial Peace

Financial traps lurk around every corner. We fall into these traps when we become a little too smart in how we manage our money. Perhaps we think we can get a great deal with 0% financing. We have a spending plan, but don’t really follow it each month (spending is under control). Or we buy in […]

Debt Doesn’t Have to Be Forever – 6 Characteristics of Those Serious About Paying Off Debt

Today’s post is dedicated to the Debt is Not Forever Blogger Crusade which is all about spreading the word that people CAN get out of debt! The crusade was started by Jackie at TheDebtMyth.com.  The goal is to have 100 bloggers post in the month of January to support and get the word out about […]

12 Top Personal Finance Podcasts (Great for Your Commute!)

I know a lot of people have rough commutes. After living in two major metropolitan areas and having to patiently ride out the commute to and from the office each day – I get it. 30 minutes here, 45 minutes there, and before you know it, you’re on the road for over an hour everyday. […]

How to Overcome Your Money Mindset Issues If You Grew Up Poor

Everyone loves a great rags-to-riches story—but there is also a feeling among many of us that those stories are nothing but myths. You might think: Yes, it may be possible for anyone to become rich, powerful, and famous in America, but it’s certainly not going to happen to me or anyone I know. As it […]

How to Get to Zero Credit Card Debt with ReadyForZero.com

Update:  Unfortunately, we were recently informed that Ready for Zero has shut down its credit score and debt planner tools. However, don’t worry because we’ve got you covered.  We recommend you visit our credit score monitoring services page (plenty of services here to meet your needs) or download the Pay Off Debt app from the Apple or Android app […]