National Debt Relief

A variable APR is an annual percentage rate that can change over time based on a benchmark interest rate. According to the Consumer Financial Protection Bureau, a variable-rate APR changes with the index interest rate, while a fixed APR does not fluctuate with changes to an index. The index most credit card issuers use is […]

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Both subsidized and unsubsidized student loans are federal Direct Loans, carry the same interest rate for undergraduate borrowers, and come with the same repayment options and borrower protections. The single biggest difference is what happens to interest while you’re still enrolled. With a Direct Subsidized Loan, the U.S. Department of Education pays the interest on […]

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Most monthly mortgage payments are divided into four components, often abbreviated as PITI: principal, interest, taxes, and insurance. On a fixed-rate loan, the principal and interest portion is locked in at closing and never changes. But taxes and insurance, which are typically collected through an escrow account managed by your mortgage servicer, can and do […]

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Even after you file your taxes, the IRS may determine that you owe additional money. However, it only has a limited window of time to assess or collect what you owe. This time limit is known as the IRS statute of limitations. So how far back can the IRS actually go to collect unpaid taxes? […]

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Someone you care about needs a cosigner. Maybe it’s your kid financing a first car, or a sibling who can’t get approved alone. You want to help, or at least you’ve been asked to. Naturally, the first question that pops up is: Does cosigning hurt your credit? It can. Whether it does depends largely on […]

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