National Debt Relief

What Is a Good Student Loan Interest Rate?

Timi Joy Jorgensen, PhD — Fri, 20 Mar 2026 16:16:00 +0000

Student loans can be a major part of paying for college, and understanding interest rates is key to managing costs. If you’re wondering, “what is a good student loan interest rate,” it’s helpful to know what factors influence rates, how they affect repayment, and what ranges are generally considered reasonable. Knowing this can empower students and families to make informed borrowing decisions and […]

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Can You Pay Student Loans With a Credit Card?

Timi Joy Jorgensen, PhD — Thu, 19 Mar 2026 14:13:00 +0000

On average, Americans owe over $40,000 in student loans. Unless you scored a high-paying job or an inheritance from a long-lost rich aunt, this debt can squeeze the life out of your budget. It’s tempting to kick the can down the road by paying student loans with a credit card. On paper, it sounds simple: one card, one […]

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Can You Use a 401(k) to Pay Off Student Loans?

Timi Joy Jorgensen, PhD — Thu, 19 Mar 2026 14:10:00 +0000

When student loans feel like they’re swallowing your paycheck and peace of mind, it’s natural to look around for an escape hatch. For a lot of people, that leads to one big, anxiety-loaded question: Can you use a 401(k) to pay off student loans? On paper, it can look tempting. You’ve got money sitting there. The loans feel urgent. And the […]

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Closing a Credit Card With a Balance: What to Expect

Timi Joy Jorgensen, PhD — Wed, 18 Mar 2026 19:06:00 +0000

Credit cards have a funny habit of sticking around, especially when you wish they wouldn’t. Even if you stop using the card and cut it up, your balance is still very much alive (and collecting interest). If you’re done with your credit card and the debt that comes with it, it might be time to close it out. […]

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Debt Consolidation for Secured Loans: Is It Possible?

Timi Joy Jorgensen, PhD — Wed, 18 Mar 2026 14:03:00 +0000

Did you take out a secured loan that now feels like a weight on your shoulders? It isn’t for everyone, but in some cases, secured debt consolidation can help you get some breathing room, especially when big loans like a mortgage or car payment are looming over you. Now, this isn’t the same as combining credit card debts and calling it a […]

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Debt Consolidation Loans for Credit Card Debt: What to Know

Timi Joy Jorgensen, PhD — Tue, 17 Mar 2026 19:00:00 +0000

Are you juggling multiple credit card balances? Remembering their due dates every month gets old, fast—and it can be difficult to scrape together enough funds for minimum payments. Credit card debt can make it feel like you’re treading water and getting nowhere. It isn’t a magic fix, but a credit card debt consolidation loan can wrangle multiple payments into one. Learn how debt consolidation […]

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Debt Consolidation Options for Teachers

Timi Joy Jorgensen, PhD — Mon, 16 Mar 2026 22:00:08 +0000

If you’re juggling student loans, credit cards, or other bills, debt consolidation options for teachers can help simplify things. Learn which debt consolidation options are available, how they work, and what to look for before making a decision. Debt Consolidation Options for Teachers: What’s Actually Worth Considering As a teacher, you may have access to a few more forgiveness and consolidation options […]

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Medical Bills in Collections: How the Process Works and Common Negotiation Outcomes

Nick Gallo — Mon, 16 Mar 2026 21:32:58 +0000

Medical bills differ significantly from other types of consumer debt. They often arrive weeks or months after care, and insurance adjustments can change the balance more than once. As a result, it’s easy for the amount to catch you off guard. However, unpaid medical bills can still go into collections, just like other types of debt. This guide explains […]

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Debt Consolidation vs Refinancing: Two Paths Out of Debt, Explained Simply

Timi Joy Jorgensen, PhD — Mon, 16 Mar 2026 14:55:00 +0000

When money is tight and bills keep piling up, even simple decisions can feel overwhelming. If you’re comparing debt consolidation vs refinancing, you’re looking for a way to make your debt less suffocating and more manageable. The problem is, terms like consolidation and refinancing get tossed around as if everyone took Finance 101. In reality, many people wonder about the differences between consolidation vs refinancing, […]

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Financial Habits That Can Support Your Goals This Year

Nick Gallo — Fri, 13 Mar 2026 20:33:46 +0000

A new year offers a chance for a fresh start on your finances. For some, that means trying to deflate ballooning credit card debt. Others may hope to save more for a home during 2022, or finally establish a long-delayed emergency fund. Although the new year is already well underway, there is still plenty of time to make changes in your financial life that can pay off for many years to come. Following are six smart financial moves to consider making this year.

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