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Having debt is just a way of life for most adults. The issue is never really having debt, it's having too much debt. So how do you know when you have more debt than you should?

The federal government is becoming more directly involved in resolving debt collection complaints and that should be a very good thing for you.

When is cosigning on a loan or rental application necessary, what are the risks, and is it ever the right move for you? Here's what you need to know.

College is terrifically expensive. And it's only getting more expensive. Does it make economic sense to start your adult life so deeply in debt?

I was wondering is there any way to save money, because my paycheck seems to disappear and I cannot make heads or tails of a budgeting system alone. Anything helps.

How much should you know about your 20somethings finances

What every newlywed couple ought to know about money

Earn an A in personal finance this semester

A plug for shorterterms fixed rates

In honor of Financial Literacy Month, we created a microsite that offers 30 simple steps to financial wellness–one for each day of the month. To enrich the experience, we asked some amazing people to guest post during the month on a topic that is related to the day’s step. Their dedication to financial literacy is truly inspiring! Today, Wise Bread blogger Julie Rains talks about the cost of credit.

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National Foundation for Credit Counseling

MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.