Editor, Debt & Borrowing Costs
Maria writes about debt consolidation, emergency borrowing and safer alternatives to high-cost credit. She pays particular attention to state APR caps and the consumer protections that vary from one state to the next.
Discover the key differences between FHA and conventional mortgages, including credit score requirements and down payments.
Mortgage RefinanceUse a cash-out refinance to fund home improvements or consolidate debt. Learn the pros, cons, and current US rates.
MortgageA low credit score doesn't mean you can't buy a home. Discover loan programs and strategies for bad credit homebuyers.
MortgageExplore the USDA rural development loan program. Learn the income limits and property requirements for a zero-down mortgage.
MortgageUnderstand how home appraisals work, what happens if the appraisal is low, and how it impacts your mortgage approval.
Personal LoansFollow our comprehensive guide to getting a personal loan in the US, from checking your credit to comparing lender rates.
Emergency LoansNeed money immediately? Learn about the best emergency loan options that offer same-day or next-day funding in the US.
Personal LoansFacing large medical bills? Learn when it makes sense to use a personal loan for medical expenses in the US healthcare system.
Personal LoansThinking about financing your next vacation? Understand the costs and risks of taking out a personal loan for travel.
Emergency LoansExperiencing a job loss or crisis? Explore financial hardship loans and assistance programs available to US consumers.
Auto LoansNeed a vehicle but have a low FICO score? Learn strategies to secure an auto loan without getting taken advantage of.
Auto LoansAre you 'upside down' on your auto loan? Discover strategies to trade in or pay off a car when you owe more than it's worth.
Auto LoansLonger loan terms lower your monthly payment but drastically increase total interest. Understand the risks of extended auto loans.
Auto LoansFound your dream car in another state? Learn how to handle the financing, taxes, and registration across state lines.
Business LoansManage cash flow effectively with a business line of credit. Understand the costs, limits, and qualification requirements.
Business LoansWaiting on unpaid invoices? Learn how factoring works and whether it's a better option than a traditional business loan.
Business LoansSelling on Shopify or Amazon? Discover specialized financing options designed for inventory purchasing and digital marketing.
Credit ScoreFollow actionable, expert-backed steps to quickly boost your FICO credit score and qualify for better loan rates.
Credit ScoreGot a bill sent to collections? Learn strategies like pay-for-delete and goodwill letters to clean up your credit history.
Credit ScoreBefore you pay a monthly fee, learn the truth about credit repair agencies and what you can easily do yourself for free.
Personal FinanceFinancial planners recommend 3-6 months of expenses. Learn how to calculate your target and build your fund quickly.
Personal FinanceDon't let collectors intimidate you. Learn your rights under the FDCPA and how to negotiate a debt settlement.
Personal FinanceStop earning 0.01% at your big bank. Discover how online HYSAs can safely grow your emergency fund with top APYs.
Personal FinanceIf you have a High Deductible Health Plan, an HSA is the ultimate retirement account. Learn how to maximize its benefits.
Personal FinanceBoost your income to crush debt. Explore viable side hustles in the US gig economy that actually pay well.