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The Main Differences Between For-Profit And Non-Profit Credit Counseling
Credit counseling is valuable for individuals seeking assistance managing their debt and improving their financial well-being. Two primary credit counseling services exist, for-profit and non-profit credit counseling, which is provided by Non-Profit 501(c)(3) organizations. Understanding the differences between these two options can help consumers make informed decisions about the type of credit counseling that best […]
Continue ReadingUnderstanding Credit Card Debt
Roughly 111 million people — 50% of Americans with a credit card and 40% of the U.S. adult population — carry credit card debt. With each year, more and more Americans find themselves facing an uphill battle against credit card debt. Turning to the aid of credit counseling services may not only help you pay […]
Continue ReadingSurvey Shows that Only Half of Americans Have a Savings Plan
A survey we conducted showed that 51% of Americans across the country have a savings plan versus 49% who do not. Positive and negative responses to the question: “Do you have a savings plan?” Age Differences Were a Major Factor Although average responses were almost evenly divided, age played a major factor in whether an […]
Continue ReadingInfographic: Causes of Debt
When people think of debt, they most often think of credit card debt. However, a significant amount of people’s financial worries actually come from some slightly more unexpected causes of debt. Currently, some of the largest contributors to debt are mortgages, credit card balances, auto loans, medical bills, divorce fees, and student loans. There are […]
Continue ReadingSlide Show: Student Loan Tips & Helpful Resources
With US student loan debt now greater than total credit card debt, new graduates need to take their monthly payments seriously and form good repayment habits early on. Some estimates show student loan debt has surpassed $1 trillion nationally, and recent government figures show nearly 10% of borrowers of federally subsidized student loans had already […]
Continue ReadingSlide Show: Lower Your Risk for Identity Theft
Slide Show: Lower Your Risk For Identity Theft Identity theft isn’t just an inconvenience – it can cause serious damage to your credit score, impairing your ability to take out loans and mortgages, buy a car, apply for certain jobs, or apply for a new credit card. Every year there are about 8 million victims […]
Continue ReadingWhite Paper: Debt Settlement vs. Debt Management Program
Do you find yourself struggling to pay the bills each month or cover your monthly expenses because of credit card debt? If the answer is yes, there are some ways for you to get some financial relief. Debt can feel crippling and overwhelming, but through resources such as non-profit credit counseling and debt relief programs, […]
Continue ReadingInfographic: Great Money Saving Tips For 2013
We’ve all heard this financial advice before: pack your lunch, skip the coffee shop latte, set up an emergency fund, and grow your retirement savings. But how often do these suggestions translate into dramatically changing your financial future? You may not act on financial advice if you’re puzzled about your overall financial picture. For example, […]
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