Editors Pick

How to Get a Personal Loan in 4 Easy Steps

A personal loan can be a good idea for a number of reasons. It offers a way to get the cash you need – cash you can use to pay off debt, tackle expenses, or make a costly purchase. And you can take your time to pay back these loans, which gives you some flexibility.

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Five Questions To Ask Before Taking Out A Student Loan

Student loans can be a real financial wrecker. The U.S. Federal Reserve estimates that Americans now owe between $900 billion and $1 trillion in student loan debt. That figure has been steadily growing since the 1980s. Other estimates put the total amount of student debt around $1.5 trillion. The average American leaving college owes more…

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Why You Should Always Avoid Taking Out Payday Loans

Financial emergencies can happen when you least expect it. If you’re not prepared for them, the stress can be insurmountable. It can be a difficult task to find a way to pay for a beloved pet who is sick or injured. Or new brakes for your car — you know, the one that gets you…

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How to Safely Lend Money to Family and Friends

People who need to borrow money would almost always rather source their funds from a friend or family member. It’s easy to see why. Payday loan companies charge exorbitant rates, and it’s a lot easier to deal with someone you know and care about than with a traditional bank. However, these kinds of situations can…

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Why Debt Relief Plans Might Be Better than Debt Consolidation

Debt can leave you struggling to keep your head above water. Interest charges keep piling up and creditors start demanding payments. At a certain point, debtors become so saturated that it can seem mathematically impossible to ever become debt-free. People who find themselves in this situation often explore debt consolidation. That essentially combines all your…

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