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A woman with long black hair, wearing a yellow shirt, is smiling at the camera against a dark backdrop, likely capturing the moment she paid off her student loan.

Video: How Your Bankruptcy Will Impact Your Future Spouse’s Credit

Bankruptcy / / /

A subscriber to AskTheMoneyCoach.com is getting married, but recently filed for bankruptcy. The person wants to know how her bankruptcy will impact her future spouse’s credit report. According to recent data from the American Bankruptcy Institute, there were 1.2 million personal bankruptcy filings in the United States in 2012. If it’s increasingly difficult for you to […]

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Are Your Student Loans the Reason You Can’t Find or Keep a Good Job?

Student Loans / / /

A reader of AskTheMoneyCoach.com wrote me because she felt that her student loans were holding her back, and had become a big financial problem. As it turns out, her real money problem isn’t the higher education debt she has – it’s the chronic unemployment situation she’s endured. Economists say you are technically among the ranks

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A New Car Loan Application Form is seen with a pen and glasses placed on top of assorted charts and paperwork, detailing options for 72 month car loans.

Four Smart Alternatives to 72 Month Car Loans

Loans / / , /

I recently wrote about the pros and cons of taking on 72-month or 84-month car loans. If you read my previous article, you no doubt noticed that there were a lot more “cons” than “pros.” With all of these cons, it’s no wonder that some financial pros, like Clark Howard, say that you should just

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car loans

The Financial Pros and Cons of 72-Month or 84-Month Car Loans

Loans / / , , /

If you’re in the market for a new car, chances are you want to keep your payments as low as possible, preferably under $500 a month. Car dealers know this, which is why 6 year or 72-month car loans are more popular than ever. Even 7 year or 84-month car loans – yes, some auto

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A red coin purse, secured with a thick silver chain and locked padlock, symbolizes security or restriction.

10 Horrible Business Practices That Make Me Shut My Purse

Personal Finance / / , , /

U.S. businesses are increasingly courting women customers. And it’s easy to see why. More and more women are taking an active role in managing their family’s finances, and 44% of all females in America are the primary breadwinners in their households, according to a 2014-2015 study from Prudential. Perhaps that why salespeople, business owners and

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Will Credit Counseling Hurt My Credit Rating?

Debt / / , /

Q: Hello Ms. Khalfani-Cox. Is it better to work with a debt management company and pay off a lot of creditors every month over a long period of time (I would be paying off the full amount of the debt… not settling (debt settlement)). Or is it best to contact each creditor who has reported me to the

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Stack of newspapers with headlines about financial topics such as retirement planning, investment protection, increased cost of living, and debt reduction.

The Shocking Threat to Your Retirement: It’s Not What You Think

Retirement / / /

What’s the biggest threat to your future retirement security? If you guessed the disappearance of Social Security, getting downsized in the years before you’d planned to retire, or even losing a bundle in the stock market, you’d be wrong on all counts. The biggest hazard to your financial stability in retirement is something you’ve probably

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student loans

Comparing Federal and Private Student Loans

Student Loans / / , /

Seven out of 10 college graduates in the U.S. have student loans, and if you’re one of them – or if you’ll need to borrow soon for higher education – you should know your loan options. In the student loan market, there are two main types of loans: federal student loans and private student loans.

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A person with long dark hair is smiling at the camera while seated on a chair, wearing a yellow shirt against a dark background, perhaps pondering their student loan in this moment of respite.

Obama Gives Student Loan Relief to Millions with College Debt

Student Loans / / , , /

New student loan legislation signed by President Barack Obama will lower borrowing costs for millions of Americans with college debt. The President signed an executive order that expands a 2010 law that allows borrowers to cap their federal student loan repayments at 10% of their income. Among the provisions in the legislation, college grads will

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