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When you take out a loan, you agree to repay the money under the terms of the contract. But imagine you get a notice or see on the news that your lender or loan servicer goes bankrupt. What then?

Carrying debt into retirement can put a strain on your limited income, while also making it more difficult to ever repay those debts. Here are a few ways to better manage debt when you’re retired:

When it comes to debt consolidation, there are a few different options — unsecured loans, balance transfers and mortgage refinances — but nonprofit debt consolidation works a little differently. Instead of creating a new loan, you’ll work with the nonprofit to create a debt management plan (DMP).

Consolidating your debts can be a helpful way to simplify debt repayment and save money, but many consolidation options may not be available if you have poor credit. You're not out of luck, however - there are still ways to save money and repay debt through consolidation, even if you have less than stellar credit.

There are some pervading misconceptions about credit scores that just won’t die. We’re here to turn that around. Here are some of the most common myths about credit scores, debunked:

Credit can be a healthy part of your financial plan, but how can you tell when your credit usage is becoming a problem? Here are the signs:

The cost of prescription meds is on the rise, making it challenging to get what you need if you have no income. There are ways to get the medications you need though. And at little or no cost to you.

The extended mortgage forbearance programs created to help homeowners through the pandemic will soon begin ending. So what should impacted homeowners do to prepare for life after forbearance?

When a credit card, utility bill, or other debt goes unpaid long enough, it may end up being “charged off” by the lender. What exactly does that mean, and what does it mean for you?

If you're co-signing on a loan, it's usually to help out a friend or family member who doesn't have the credit to qualify on their own. While the intentions are good, co-signing can go south quickly if the other borrower stops making payments. What are your options at that point? Can you be removed from the loan?

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Department of Housing and Urban Development

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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.