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Should You Refinance Your Student Loans?

According to the Institute for College Access & Success’ Project on Student Debt, the average college graduate is carrying around $29,400 in student loan debt. Of those student loans, almost 12 percent of them are 90 days or more past due, according to the Federal Reserve Bank of New York, which is more than any… Read More

Ask the Expert: Why Are There New Credit Scores Every Few Years?

Earlier this month FICO announced that they would be rolling out a new version of their credit risk scoring software, called FICO Score 9. In 2013 VantageScore Solutions announced a new version of their credit risk scoring software, called VantageScore 3.0.  This begs the question, why do FICO and VantageScore Solutions roll out new credit… Read More

Links We Love: 6 Smart Ways to Spend Your Tax Refund

Taking a look at the best personal finance news, tips and advice from others on the web! This week’s highlights: — 6 Smart Ways to Spend Your Tax Refund – SmartAsset — How to Mentally Prep for Tax Season – Manilla — Top 3 Tax Scams: How to Avoid Being Taken – Forbes — With Lots… Read More

Why Credit Reports Exist: A Look at the Credit Reporting Industry & How the System Works

Like them or not, credit reports have become as integral to our financial well being as picking the right stock or mutual fund. It’s common knowledge that lenders, insurance companies, employers, collection agencies and tenant screening companies use credit reports to make decisions. But, where does all of that information come from and what amount… Read More

How to Get Free Financial Help

You don’t have to be buried in credit card debt to need financial guidance. In fact, most of us don’t manage our money perfectly. Money management and wealth creation are not skills that people are born with. They must be learned. If you don’t have access to a mentor who has excellent personal finance skills… Read More

Links We Love: 10 Golden Rules of Retiring Rich

Taking a look at the best personal finance news, tips and advice from others on the web! This week’s highlights: — The 10 Golden Rules of Retiring Rich – MoneyTalksNews — The Hidden Costs of a Wedding– Mint — The 5 Money Management Apps You Should Be Using – Modest Money — What Gen Y Can Teach… Read More

Thinking About Refinancing Your Mortgage? Read This First

When interest rates took a nosedive a few years ago, it made sense to refinance your mortgage. And rightly so — cutting two percentage points off your interest rate could save you a lot of cash! But what about now? You keep hearing that mortgage rates are still quite low, but is refinancing your mortgage still… Read More