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If you’re looking for a way to get debt free, you may be considering consolidating your debts, trying to settle with your creditors, or getting on a debt management plan. It can be important to understand and compare your options, because they could affect your finances and credit in different ways.
Student loan borrowers may have the option to defer their payments while they’re enrolled at least half-time and during a grace period after leaving school. However, deferring your payments might be a decision that comes back to bite you later.
Student loan counseling can be a life-changing tool, especially for anyone feeling overwhelmed by their federal student loans. To make the most of your counseling session (and save yourself some time), there are a few steps you should take care of in advance of your appointment.
Learn about the legal status known as “judgment proof” for people with low income, where benefits such as Social Security do not count as garnishable assets.
Your debt-to-income ratio is a measure of your debt load compared to your income. It tells lenders whether you might struggle to afford another payment—like, say, a mortgage—on top of existing debts. Here's how to calculate your ratio and how to know when your number is too high.
In January 2022, Navient, one of the country’s largest student loan servicers, reached a $1.85 billion settlement over allegations it defrauded students with deceptive and predatory loan practices. Here's how to know if your loans were impacted and what comes next.
Trying to determine if bankruptcy is right for you? The first step is understanding if it can help with the specific types of debt you're trying to escape. Here's a breakdown of what can and can't be discharged in a bankruptcy.
You've probably heard of Chapter 7 and Chapter 13 bankruptcy, but how many kinds of bankruptcy exist in the United States? And how are they different?
Bankruptcy laws are complicated, and it’s often difficult to tell what your rights are when filing for bankruptcy, and what has to be done under law, but understanding these rights can help you make informed decisions about your financial future.
Everyone who has debts also has legal rights. It’s important to know your consumer rights so lenders can’t take advantage of you. Here are the most important consumer protection laws currently on the books.
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