Debt Management & Credit

Are you overwhelmed by the maze of student loans out there? You're not alone. In fact, 70% of college students graduate with a significant amount of loans. But don't worry, this article on Different Types of Student Loans is your roadmap to making an informed decision. Why should you care...

You get a text that looks like it came from your bank: “Suspicious charge detected. Verify now.” Your first job is not to decide whether the message looks real. Don't click the link. Don't call the number in the message. Open your card issuer's official app, type the bank's website yourself, or...

If you searched for Grid Code G because it appeared in a credit-monitoring alert or an old credit-report display, the short answer is simple: G means collection. It is a reporting code that describes an account being in collection status. It is not a secret penalty, it does not...

Hello, Michael Ryan here. With almost 30 years in financial planning, I’ve seen countless financial innovations. And just as many ways for folks to get caught in a bind. A question that’s increasingly hitting my inbox, especially from the Chime community, is sharp and urgent:  "Michael, I need emergency cash,...

Ever stared at your credit score and felt like it’s some mystical number decided by a secret society? You think you're alone? After 25 years as a financial planner, I've seen countless brilliant people, from "Credit Builder Caseys" just starting out, to "Debt Juggler Danas" managing multiple cards. And...