Personal Finance

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The Latest

Today’s best mortgage rates? 10- and 15-year terms | June 9, 2023

Borrowers have the opportunity to lock in their preferred rate with maximized interest savings today, as today’s rates have either fallen or held steady since yesterday.

Federal student loans: 2023 guide

Federal student loans offer many benefits that aren’t available in private student lending.

How to recertify income-based repayment

Failing to recertify your income and family size can lead to significant consequences for your student loans.

What’s a good debt-to-income ratio to refinance student loans?

Keeping your debt-to-income ratio low can make it easier to qualify for student loan refinancing.

Personal loan interest rates continue to edge down

The latest trends in interest rates for personal loans from the Credible marketplace, updated twice weekly.

Today’s lowest mortgage rate? 15-year terms | June 8, 2023

Mortgage rates are mixed today, though borrowers should consider locking in their preferred rate ahead of likely future increases.

Can you use a 401(k) to pay off student loans?

Using your 401(k) to pay off student loans is possible, but not recommended. You could face penalties and taxes, as well as hinder your ability to retire on schedule.

Subsidized vs. unsubsidized loans: Which is best?

The federal government covers the accrued interest on subsidized student loans during certain periods — unsubsidized borrowers are responsible for all interest costs.

Today’s lowest mortgage rates? 10- and 15-year terms | June 7, 2023

Borrowers should take advantage of today’s generally steady and lowering rates in order to lock in interest savings.

Federal direct unsubsidized loans: What to know

Federal Direct Unsubsidized Loans are available to undergraduate, graduate, and professional students, regardless of financial need. They have fixed interest rates and qualify for a variety of repayment plans.

How to apply for student loans: Federal vs. private

Applying for student loans is relatively simple, but it can be a lengthy process.

Debt consolidation for bad credit: What to know

If you’re carrying multiple debts, you may feel overwhelmed trying to manage minimum payments and due dates. A debt consolidation loan can help simplify repayments.

What are the average personal loan interest rates?

Interest rates for a personal loan vary widely, but the average is around 11%. You might be able to get a lower rate with a few strategic moves.

What to know about getting a $450,000 mortgage

A $450,000 mortgage comes with several costs and requirements that are worth considering.

Today’s best mortgage deal? 15-year terms at 5.625%  | June 6, 2023

With mortgage rates being mixed today, some have begun to rise. However, borrowers can still lock in interest savings with 15-year terms.

Personal loan interest rates edge up for 5-year loans only

The latest trends in interest rates for personal loans from the Credible marketplace, updated twice weekly.

Student loan refinance interest rates skyrocket for 5-year loans

Check out the latest trends in interest rates for student loan refinancing from the Credible marketplace, updated weekly.

Today’s mortgage deal? 10- and 15-year terms at 5.625% | June 5, 2023

With rates largely holding steady, borrowers have the opportunity to lock in their preferred term from last week.

I banked $50K by 30 — these are my 5 simple money-saving tips

“First, do all you can with the money you have — create a budget, save where you can, and cut where you can as well," Matilda Littler shared.

What is a student loan deferment?

If you’re struggling with a change to your finances or income, a student loan deferment can give you a break — but it’s temporary. The maximum amount of time you...