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debt management and relief Archives

Dealing with student loan debt after a co-signer passes away

It’s no secret that student loan debt is a prominent credit issue today. In fact, it is arguable that the amount of student loan debt in America is outpacing credit card debt. This is likely because a greater number of students are taking out loans from private lenders.

Is Public Service Loan Forgiveness not so forgiving after all?

Established a decade ago, Public Service Loan Forgiveness served as a "broad, employment-based forgiveness program for federal student loans,” as described in an internal blog. The PSLF allowed government or nonprofit workers to have their loans erased after 10 years, provided they made on time payments.

Think twice before consolidating debt

Debt consolidation advertisements have become ubiquitous with today’s emerging economy. You probably recognize how they begin with a consoling message about a “secret” that debt collection companies don’t want you to know, and that you don’t have to pay all your debts…and that you don’t need bankruptcy. 

Student loan debt: A rush to garnishment

When past-due or defaulted debts goes into collections, debtors must deal powerful agencies able to employ vast resources to secure the money they are owed. Their aggressive, sometimes harassing tactics make life miserable for those already struggling to make ends meet.

Debt for sale

Samuel L. Jackson, Jennifer Garner and Alec Baldwin have become the faces of credit cards hyping premium awards and cashback cards. While the celebrity pitches are directed at customers who enjoy high credit ratings, others in the credit card business see opportunity with consumers who suffer with less than stellar FICO scores.

Accurate tax payments can help reduce your debt load

For many Americans with standard employment, taxes are withheld automatically from their weekly, biweekly or monthly paycheck. At the beginning of each year, when taxes are filed, people rejoice when they receive news that they will be getting a sizable tax refund. Many people choose to use that lump sum to pay off or pay down some of the credit card debt they've accumulated through the year. Unfortunately, that balance on your credit card is accruing massive amounts of interest each month, while the money that the Federal government over-withheld in taxes does not.

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