Debt Management Tips & Resources
Tips and resources to help you manage your personal debt.
FEATURED ARTICLES
Is Using a Reverse Mortgage a Good Idea?
Reverse mortgages can be a good way to fund your retirement – but usually only in a narrow set of circumstances. Otherwise, they may be an expensive way to borrow money.
How to Calculate Interest Rates
Calculating interest rate can be complicated and confusing. Here are a few simple steps to calculate interest rate and credit card interest.
What is APR and How to Calculate it
Learn what annual percentage rate (APR) is, how to compare different types of APR and how to calculate it.
WHAT'S NEW
A lien is a legal claim against assets that may be used as collateral in order to repay a debt. Learn how liens work and how to remove them.
A car title loan uses your vehicle as collateral. They’re small, short-term loans that can be easy to get, but can be costly. Learn how they work.
Know the difference between fixed and variable rate APRs before taking out a credit product. Here’s a look at how fixed APR and variable APRs work.
ALL UNDERSTANDING DEBT ARTICLES
Credit card debt is on the rise. Look into the numbers behind average U.S. credit card debt and how it increases with age.
Find out whether refinancing your mortgage is a good idea to provide the cash you need to tide you through an economic downturn.
Debt-to-income ratio, or DTI, can play a key role in your ability to borrow money. Understanding your debt-to-income ratio can help you manage your overall finances.
Debt consolidation can help simplify your finances and reduce monthly payments. Learn how you can consolidate debt with these 9 steps.
Learn how debt management programs can help you get out of debt faster, how they might impact your credit score, and the role of non-profit credit counselors.
If you wonder what happens to your debt when you die, here’s a look at the basic rules and various exceptions to the rules.
Over your lifetime, you’ll probably use various types of debt for different purposes. Here are the key features of the main types of debt.
Debt consolidation can simplify your life and help you gain more control of your finances by consolidating some of your monthly bills into a single loan.
Calculating interest rate can be complicated and confusing. Here are a few simple steps to calculate interest rate and credit card interest.
Reverse mortgages can be a good way to fund your retirement – but usually only in a narrow set of circumstances. Otherwise, they may be an expensive way to borrow money.
Learn what Annual Percentage Rate (APR) is, how to compare different types of APR, and how to calculate it.
Conventional loans, such as conforming and jumbo loans, are the most common home mortgages in the U.S. Here are the key features of each type.
A car title loan uses your vehicle as collateral. They’re small, short-term loans that can be easy to get, but can be costly. Learn how they work.
Know the difference between fixed and variable rate APRs before taking out a credit product. Here’s a look at how fixed APR and variable APRs work.
A lien is a legal claim against assets that may be used as collateral in order to repay a debt. Learn how liens work and how to remove them.
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What is Debt Settlement and How Does it Work?
Debt settlement helps you reduce debt by paying a fraction of your total balance. Learn more about how it works, its impact on your credit score, and its risks.
How Can I Get a Cashier’s Check?
If you need a cashier’s check, where do you start? Here’s the lowdown on where toget a cashier’s check, what it costs, what information you need to provide, and more.
How to Pay Off Credit Card Debt
Explore expert recommendations on how to choose a debt reduction approach to help pay off your credit card debt.
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Unsecured debt is a debt owed to a creditor that is not tied to an asset like your home or car. Here are some pros and cons of carrying unsecured debt.
A Simple Guide to Mortgage Payments
Standard mortgage payments usually include four key elements: principal, interest, taxes, and insurance. Learn how a mortgage payment is calculated.
What is an Income-Driven Repayment Plan?
Income-driven repayment plans aim to help college grads with student loan debt by lowering monthly payments to match their available income. But the payoff period is longer.
ALL PAYING OFF DEBT ARTICLES
Take a strategic approach to pay off your debt by using the Debt Snowball Method—find out if the debt snowball method is right for you.
A guide for how to get out of debt this year, whether it’s from a student loan, auto loan, credit card spending – or all of the above.
Deferred interest offers can help you finance a big-ticket purchase interest-free – but only if you pay off the balance in full before the promo period ends.
Credit card debt is very common and costly. Here are a few strategies to help you pay off credit card debt fast.
Debt settlement helps you reduce debt by paying a fraction of your total balance. Learn more about how it works, its impact on your credit score, and its risks.
If you need a cashier’s check, where do you start? Here’s the lowdown on where to get a cashier’s check, what it costs, what information you need to provide, and more.
Explore expert recommendations on how to choose a debt reduction approach to help pay off your credit card debt.
Unsecured debt is a debt owed to a creditor that is not tied to an asset like your home or car. Here are some pros and cons of carrying unsecured debt.
Standard mortgage payments usually include four key elements: principal, interest, taxes, and insurance. Learn how a mortgage payment is calculated.
Income-driven repayment plans aim to help college grads with student loan debt by lowering monthly payments to match their available income. But the payoff period is longer.
FEATURED ARTICLES
Inflation Rates and How to Calculate Them
Here’s an overview of the typical inflation rates economists use to better understand the U.S. economy, why they matter, and how to calculate them.
How to Write a Check in 6 Easy Steps
At a time with many digital payment options, some people aren’t sure how to write a check when the need arises. Follow these steps to help you write personal checks properly.
Learn how to live debt free – or at least get close. Here are 5 steps to help you minimize debt and build a better financial future.
WHAT'S NEW
7 Alternatives to Consider Before Taking Out a Payday Loan
Each year, Americans take out millions of payday loans as a quick way to get cash. But these loans are costly, and there may be better alternatives.
6 Tips to Begin Managing and Protecting Your Parents’ Finances
Aging parents may find it challenging to manage household finances. If you plan to help, aim to set up a support system before the need arises.
Can You Get a Loan Without a Job?
Need a loan but don’t have a job? Getting one may be hard but not impossible. Before applying, consider whether a loan is the right financial move.
ALL FINANCIAL ASSISTANCE ARTICLES
Losing your job can be daunting, especially in an economic downturn. These tips may help you manage and get some relief from credit card debt.
Buying a house usually means taking out a mortgage. Understanding different types of mortgage loans can ease the process of buying a house and potentially save you money, too.
Wondering how debt relief works? Learn more about debt relief programs, the risks and alternatives before you qualify for one.
If you’re confused about how much financial advisors cost, you’re not alone. Here’s how to break down financial advisor fees – and avoid costly errors.
Cashier’s checks work because banks are obligated to hold funds to pay the check until it’s cashed. That’s why cashier’s checks are preferred for many large transactions.
Capitalized interest is the addition of unpaid interest charges to the balance of a loan. Find out how it can affect your personal finances, especially student loans.
Many people experience financial stress. Here are a few expert suggestions to help ease money worries.
There are two different types of personal loans – secured and unsecured. Learn which one is best for you and how they impact your credit score.
Here’s an overview of the typical inflation rates economists use to better understand the U.S. economy, why they matter, and how to calculate them.
Learn how to live debt free—or at least get close. Here are 5 steps to help you minimize debt and build a better financial future.
At a time with many digital payment options, some people aren’t sure how to write a check when the need arises. Follow these steps to help you write personal checks properly.
Each year, Americans take out millions of payday loans as a quick way to get cash. But these loans are costly, and there may be better alternatives.
Aging parents may find it challenging to manage household finances. If you plan to help, aim to set up a support system before the need arises.
At a time with many digital payment options, some people aren’t sure how to write a check when the need arises. Follow these steps to help you write personal checks properly.
There’s an array of mortgage types to choose from,
with different down payment requirements,
interest rates, and monthly payments.
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The material made available for you on this website, Credit Intel, is for informational purposes only and intended for U.S. residents and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.
