The College Investor Audio Show

Who Gets Merit Based Scholarships At Private Colleges? Jun 25, 2025

Wondering which students and families actually get merit-based scholarships and grants at private colleges? We have the data.

Parents of college-bound children who are considering high-cost private non-profit colleges often wonder how to qualify for institutional financial aid. These grants and scholarships may or may not really be based on merit, but rather function as a discount on the cost of attendance.

Students who want to increase their chances of receiving an institutional merit grant at a private non-profit 4-year college should apply to moderately selective colleges (especially higher-cost colleges), have stellar grades and test scores, pick wealthy parents, do not take a gap year and enroll in college full-time.

We look all the statistics of which students are getting institutional merit grants.

Student Loan Forgiveness Due To Disability: What To Know Jun 20, 2025

When your student loans are discharged due to disability, you may be limited in whether you can work or go to school for a period of time. Otherwise, your student loans may be reinstated.

This can be an especially difficult issue to navigate if your loans are discharged while you're attending school, or plan to. And it can happen even if you never planned on asking for a disability discharge.

Here's what to know about disability discharge, and how to navigate your choices if your loans are automatically forgiven.

Trade School Loan Forgiveness Programs May 31, 2025

Student loan forgiveness applies to a variety of degrees, even trade schools. So even if you went to a trade school, vocational school, or apprenticeship program, you could be eligible to get your student loans forgiven.

If you attended school for HVAC repair, cosmetology, the culinary arts, or any other trade program, your student loans could qualify for one of these student loan forgiveness programs.

We cover the factors that make trade school student loans unique, and how you can figure out whether your trade school loans qualify for loan forgiveness.

Must-Ask Questions About College Costs: Protecting Your Investment May 29, 2025

Paying for college isn’t just about covering tuition. It’s about understanding what happens when life takes a turn and what protections exist if it does.

Each year, families across the country commit thousands of dollars toward college without fully understanding the terms behind the payment. If a student gets sick or has to take a leave during the semester, even for a serious medical reason, many schools don’t refund tuition. Housing and fees can be nonrefundable. Grants may be forfeited. And student loans may still need to be repaid, even without a completed term to show for it.

That’s why understanding school refund policies and looking into tuition insurance before the semester starts can help families avoid financial stress if a student’s college experience is interrupted. With tuition topping $25,000 a year at many public universities and twice that at private schools, a few hours of research can mean the difference between peace of mind and unexpected debt.

We’re partnering with GradGuard to help you understand how tuition insurance can protect your investment. GradGuard is a leading tuition insurance source, with affordable coverage. Get a quote or learn more here >>

Which Payments And Periods Count For PSLF? May 19, 2025

After years of payments, pauses, and paperwork, many public service workers are confused on what payments and time periods may count for Public Service Loan Forgiveness (PSLF).

However, there are also more options to have qualifying periods count - thanks to the PSLF buyback program.

If you've been stuck in the SAVE forbearance, served in the military, or paused your payments for economic hardship, you might be closer to loan forgiveness than you think.

But there’s a catch: the buyback program is only available to borrowers who are already near the finish line.

It also raises a question: if you’re just a handful of months away from forgiveness and in forbearance, should you apply for buyback? Or wait and risk getting stuck? Or switch repayment plans and start making payments again?

Common Dorm Room Disasters That Could Cost You Big May 14, 2025

College move-in day is filled with excitement, but new students often learn quickly that shared living spaces come with unexpected risks. And if you’re not careful, even small accidents can be expensive.

From laptop spills to missing laundry, a range of common mishaps can cause financial stress.

In partnership with GradGuard, we’re going to highlight the most common dorm disasters you can face. GradGuard Renters Insurance Plan can help you manage the financial aspect of these disasters and you can make sure that you’re protected financially if something happens. Get a quote here >>

As you settle into dorm life, understanding these risks and how to manage them can prevent bigger problems later on.

Quick Update On What's Happening With Student Loans May 13, 2025

Robert was on MoneyLife with Chuck Jaffe this week talking about the current status of student loans. Tune in to hear Robert's thoughts on what's going on with student loans today.

How To Legally Reduce Your IDR Payment (And Avoid Fraud) May 12, 2025

Income-Driven Repayment (IDR) plans provide affordable monthly student loan payments by basing the payments on a portion of the borrower’s discretionary income, as opposed to the amount they owe.

Generally, IDR plans will yield lower student loan payments when the borrower’s total student loan debt exceeds their annual income. However, there are ways to decrease the student loan payments even further.

Monthly student loan payments under IDR plans are based on a percentage of discretionary income. There are legitimate ways of reducing discretionary income and thereby reducing the student loan payment.

Discretionary income is calculated by subtracting a multiple of the poverty line from Adjusted Gross Income (AGI). Discretionary income may be reduced by reducing AGI or by increasing the applicable poverty line.

Of course, avoid fraudulent tactics like underreporting income or falsely inflating family size, as these carry severe penalties.

Can You Appeal A Financial Aid Award After Admissions? May 07, 2025

Many families assume that once a student accepts admission to a college, the financial aid offer is final. In most cases, that’s true. Schools often budget tightly and expect students to commit based on the information already provided. But there are exceptions.

Appealing a financial aid award after committing to a school is uncommon, but not impossible. In some cases, families report success in securing more need-based or merit-based aid even after housing contracts are signed and roommates are assigned. Whether that happens depends on the institution’s policies, remaining funds, and the circumstances behind the request.

Congress Unveils Plan To Change Student Loan Repayment Plans Apr 29, 2025

The latest reconciliation bill set for review in the House Committee on Education and the Workforce proposes some of the most extensive changes to higher education funding and student loans in decades. This is the papered proposal, it's NOT law yet.

If enacted, the legislation would limit federal borrowing, end Parent PLUS loans, change repayment options, and reshape Pell Grant eligibility. The changes would primarily affect new borrowers taking out loans after July 1, 2026, but some changes take effect as so as the bill is signed into law.

It's important to remember that this is the first work-up of proposals that are actually in print. Not all of these may make the final bill, and even then, they may change as well. That being said, many of these proposals mimic what was already proposed under the College Cost Reduction Act, and many are popular topics for Republicans.

Let's break down some of the major proposals (though there are many others as well - the bill is 100+ pages long).

The Best Ways To Pay Off Student Loans Faster Apr 24, 2025

Student loan debt is not fun to have. While it may have been necessary to pay for school, now that you’re graduated, it’s time to think about ways to pay off your student loans faster.

If you’re looking at your repayment plan options - even the shortest term is usually around 10 years. That can seem like forever!

At the same time, looking at these long time frames could also motivate you to see what you can do to get out of student loan debt fast. Luckily, there are a lot of ways to get out of student loan debt fast - it just takes a solid repayment strategy and knowing your options.

We’ve put together a list of ten of the best ways to help you formulate that plan. Remember - this is about paying your student loans faster. Getting aggressive with your student loan debt. These ideas might not work for everyone, or at least not today.

It’s always important to assess your own situation, and then layer in these tactics as you’re able to.

Key Life Skills For Incoming College Freshman Apr 23, 2025

As families juggle decisions about housing, orientation dates, and class schedules, one area that often gets overlooked is life skills. The transition from high school to college is one of the biggest changes a teenager will face. And while some schools may offer a session study habits, far fewer address what it takes to function day to day.

The cost of not being prepared can be high. Students who don’t learn how to manage stress or money early may be more likely to drop out or take longer to finish their degree. Parents often assume their kids already know these skills or will figure them out along the way. But being proactive helps students feel more confident from day one.

What Happens To Financial Aid If You Take A Gap Year Apr 21, 2025

With the stock market fluctuating and new tariffs raising concerns about family finances, some families are re-thinking the college decision (at least in the short term). While it might not be off the table, taking a gap year or deferring enrollment is an option for some. But what happens to financial aid if my child takes a gap year?

While taking time off before starting college has its benefits, it can also come with consequences. Financial aid is not automatically frozen or held for a year. Depending on the type of aid and the policies of the college, a gap year can mean recalculations, new paperwork, and in some cases, lost money.

Here’s what students and families need to understand about need-based aid, merit scholarships, and what happens if plans change.

Deferred vs. Waitlisted: What Each Decision Really Means Apr 09, 2025

For high school seniors navigating college admissions, few emails inspire more confusion than a notice of being "deferred" or "waitlisted." While neither outcome is final, each comes with distinct meaning, timeline, and next steps.

Being deferred means your early application wasn’t denied, but it wasn’t accepted either. Instead, the admissions committee will evaluate your application again during the regular decision round, alongside new applicants. This delay gives the college time to compare you to the broader pool and assess updated academic records or accomplishments.

Waitlisting, by contrast, happens after regular decisions are made. It means you met the qualifications for admission, but there wasn’t enough space to offer you a spot. You may be admitted later if enough admitted students decline their offers.

The Problem With ‘Sell In May And Go Away’ Investment Strategy Apr 09, 2025

Have you heard the phrase "Sell In May And Go Away"?

There are many weird stock market indicators that pundits try to use to explain what you should be doing in the stock market at any given time.

There seems to be many ideas that people will suggest to determine your investing strategy including the January-effect, the presidential cycle, which team wins the Super Bowl, and how well stocks will fare.

Over time, the of the stock market are hard to beat, and timing the market is not something that many people can do on a reliable basis.

Based on this month, you may have encountered the "Sell in May and Go Away" philosophy. While it may sound kitschy or superstitious, does this theory actually have any legs?

Making Savvy Student Loan Decisions For College Apr 07, 2025

Today's episode is an interview Robert had with Jack Wang from the Smart College Buyer podcast.

He talks about how to think about college costs, making smart student loan decisions, and how to have open and honest conversations with your family about money and education.

We hope you enjoy the episode. If you want to learn more about the Smart College Buyer podcast, check it out on your favorite podcast platform.

Can President Trump Claw Back Student Loan Forgiveness? Apr 06, 2025

President Trump generally does not support student loan forgiveness and would likely seek an end to some student loan forgiveness programs.

But can the President claw back student loan forgiveness that has already been granted?

It's sparked a lot of concern in recent weeks, especially as President Biden has continued to propose new student loan forgiveness plans and already has set a record during his presidency for the most student loan forgiven.

As of November 2024, President Biden has provided $175 billion in student loan forgiveness for 4.6 million borrowers, more than any previous president.

For borrowers that have already received forgiveness, the question looms:

Could Trump claw back student loan forgiveness that has already been granted? The answer is generally no.

Let's break it down and learn why past loan forgiveness is likely protected, but future loan forgiveness could be in jeopardy.

The Best Investment Strategy by Age [Ultimate Guide] Apr 04, 2025

There is no "one size fits all" when it comes to the best investment strategy. But it's one of the questions I receive almost everyday.

From what do I invest in, to how to get started investing, to picking individual stocks, everyone is looking for a magic investment strategy that will make them millionaires overnight.

The truth is that doesn't happen. You invest in stocks because over the long run, investing in the stock market has outperformed other investments. But that doesn't mean you should invest everything in stocks.

Here's how to craft the best investment strategy and why you should always think about your portfolio and all your money as a whole. While we call this the investment strategy by age guide - your age is really subject to your investment time horizon. Check it out on the website.

5 Ways To Invest In Real Estate To Become A Millionaire Apr 04, 2025

There are multiple ways to invest in real estate. And believe it our not, 90% of the world's millionaires have created wealth through real estate. At least that's what Andrew Carnegie said at the turn of the century.

Maybe you love investing, and at this point nearly all of your money is in the stock market. You know it’s important to diversify, but aren’t sure if real estate investing is right for you. You might think it requires a lot of money up front, or requires a lot of work ongoing.

And while some of that is true, there are new options this year that can make real estate a potential investment for you.

While real estate investing certainly isn’t for everyone, it can be very lucrative. Many people have made millions investing in real estate. If you’re wanting to expand your investment horizons, here are 5 different ways to invest in real estate.

8 Popular Alternative Investments Ideas And Examples Mar 31, 2025

With the stock market down almost 10% this year, more and more investors are looking for alternative investments outside of stocks and bonds.

Diversifying an investment portfolio means not putting all your investment dollars into the same asset.

Some people view a few dozen individual stocks as a diverse investment portfolio. Others want to buy broad-based index funds that represent entire stock markets. And others want bonds, stocks, and cash to keep their portfolio from having too much volatility.

However, diversification can go beyond typical financial assets. Some investors may turn towards alternative investments to augment their portfolios.

Although "alternative investments" are often described as a single group by financial advisors, this asset class represents a diverse array of investment opportunities. But which alternative investments are most popular? Keep reading to find out!

Should You Pay For Audit Protection Mar 30, 2025

Audit protection is a service most tax preparation companies advertise as an upsell to help you if you get a notice from the IRS.

These services can involve responding to IRS letters, representing you when speaking with the IRS, or even reimbursing you if the tax prep company made a mistake.

I hate dealing with bureaucrats. The thought of spending time in line at the DMV is so repulsive that I tried to pay someone to wait in line for me (the person didn’t show up, so I eventually had to go).

If the DMV causes me this much pain, you can imagine how bad I would feel getting audited by the IRS. I know this is hyperbolic, but being audited sounds like death by 1,000 paper cuts. Which brings me to the crux of this post. Should you get audit protection for your taxes - which is a big upsell of most of the major tax software products out there.

Personally, I put my extra money towards bookkeeping software. I think that’s the better use of the dollar.

However, the peace of mind factor may ultimately push you towards buying audit protection. In that case, I recommend being as smart as possible. Or use H&R Block software to get the most protection for the least cost.

Should you (or I) pay for audit protection for your taxes. You may be surprised that in most cases, I think the answer is no.

How To Use A Roth IRA To Save For College Mar 29, 2025

While a Roth IRA is one of the best ways to save for retirement, it can also be used to save for college.

A Roth IRA is one of the best ways to invest for retirement, since the money inside it grows tax-free and in most cases, withdrawals for retirement come without any tax consequences. It can be an especially great way to save for retirement when you're young and your income is relatively low. If you're in a low tax bracket, getting a tax deduction (like for 401(k) or Traditional IRA contributions) won't benefit you nearly as much.

But while the primary use of a Roth IRA is for retirement, there are a couple of other ways that you can withdraw money from your Roth IRA without paying a penalty.

One of those is for qualified higher education expenses. That makes using a Roth IRA to save for college one option to consider.

How Structured Settlements Impact Financial Aid Mar 27, 2025

Eligibility for need-based financial aid depends on the student’s demonstrated financial need. Structured settlements can change how a student's financial aid is evaluated.

Financial need is the difference between the college’s annual Cost of Attendance (COA) and the student’s Student Aid Index (SAI).

In some cases, a structured settlement can be used to shelter settlement money from student financial aid formulas. But ultimately the timing of the payments will determine how structured settlements impact financial aid applications. We break down the rules below to help you plan.

Would You Rather Have A Penny That Doubles Each Day For A Month Or $1 Million? Mar 21, 2025

Would you rather have a penny that doubles each day for a month or 1 million dollars? I saw this question the other day, and it reminded me of one of my favorite stories from high school math (yes, that's pretty nerdy, but this is a personal finance blog).

So, before I tell the story, think about it:

If a genie appeared and gave you a choice, what you would choose: would you rather have a penny today, that doubled everyday for a month, or $1 million today?

The fact is, a lot of people get caught up in the initial amounts: $1,000,000.00 versus $0.01.

But let's share the story of the The Grain of Rice, a mathematical fable from India. And then we can break it down.

How To Write A Financial Aid Appeal Letter Mar 18, 2025

If your financial aid package falls short of your need, you can ask the college for more financial aid by sending them a financial aid appeal letter.

A financial aid appeal is not like a negotiation. It is not like bargaining for a lower price on a car at the car dealership.

Most students lack leverage to get the college to throw out its financial aid rulebook. Good grades and test scores, and strong extracurriculars may get a student into a college, but aren’t enough to earn the student a full scholarship.

To get an increase to your financial aid package, you need to know how to present your financial situation correctly. Merely asking for more money will not work, unless your appeal is supported by documented special circumstances.

A successful financial aid appeal is based on providing the college financial aid administrator with relevant new information about special circumstances that affect your ability to pay for college. In this article, we'll show you how to write a financial aid appeal letter and let you know what supporting documentation to provide.

What To Do If Your Financial Aid Appeal Is Denied Mar 14, 2025

Financial aid can provide students with access to educational options they may not have otherwise had. But sometimes, students are denied additional financial aid, even after making an appeal.

If you appealed for additional financial aid, but your appeal was denied, you still have a few options. In this article, we'll let you know what steps you can take to try and secure more financial aid. We'll also provide you with some alternative places to look for money.

Can Student Loans Be Discharged In Bankruptcy? Mar 11, 2025

It's a common myth that student loans cannot be discharged in bankruptcy. However, the U.S. Department of Education has the legal authority to allow a borrower’s federal student loans to be discharged in bankruptcy, in certain circumstances. It has not, however, generally exercised this authority.

Instead, it often opposes undue hardship petitions. The general reasoning is that the availability of income-driven repayment plans provides sufficient financial relief for borrowers who face severe economic distress.

But is this reasonable, or should the Department of Education allow more student loan discharges in bankruptcy? Below, we discuss what we think, as well as a new bipartisan bill that could significantly change how students loans are handled in bankruptcy courts.

What Happens To An HSA When You Die? Feb 26, 2025

A Health Savings Account, or HSA, is arguably the best tax-advantaged account available in the United States. Contributions and qualified withdrawals are tax-free, which makes an HSA perhaps the only way you can earn, invest, and spend without paying taxes.

While we don’t usually like to think about it, we’re all going to die someday. Money-savvy folks want to know what happens to their HSAs when they die. Here’s an in-depth look at what happens so you know how to include your HSA in your estate plan.

The Top 10 Best Investors Of All Time Feb 25, 2025

I thought it would be interesting to look at some of the best investors in modern time. These are all individuals who made significant amounts of money by sticking to solid investment philosophies.

If you look at their strategies as well, they aren't very difficult or complex - they stick to basic financials of a company and look for value. If they believe there is value, they invest, and make tidy profits!

Some of these names may be very familiar, but others you might not know about! There's no particular order, as all of these individuals have an interesting path to investing over the long run.

Are There Time Limits Or Age Limits On 529 Plans? Feb 24, 2025

For families saving for education expenses, 529 plans remain one of the most flexible and long-lasting options available.

Unlike other college savings accounts or financial aid programs, 529 plans do not have time or age limits for contributions or withdrawals.

However, some states do have different rules that may impact your 529 plan contribution or withdrawal decisions. Remember, since 529 plans are state-based, each state can create their own rules, regardless of what the federal rules say.

30 Passive Income Ideas You Can Use to Build Real Wealth Feb 21, 2025

If you're looking for passive income ideas, you may think the whole concept is a myth - there's no way that you can earn money by doing nothing. It's why passive income is highly sought after, yet often misunderstood.

The truth is, passive income streams require an upfront investment and a lot of nurturing in the beginning. After some time and hard work these income streams start to build and are able to maintain themselves, bringing you consistent revenue without much effort on your part.

Speaking from personal experience, adding passive income streams to your portfolio can help you increase your earnings and accelerate your financial goals in tremendous ways. For example, starting a savings account and earning interest, or investing in dividend paying stocks can all start adding income to your life without having to work! Your money is working for you!

For example, you can use passive income streams to help you get out of debt or achieve financial independence sooner.

Let's get to the passive income ideas!

What Is A Multigenerational Or Dynasty 529 Plan? Feb 18, 2025

A Multigenerational 529, also known as a Dynasty 529 Plan, is a way of using one or more 529 plans to leave a legacy of education for future generations. A Dynasty 529 Plan can be set up by parents, grandparents, or other relatives.

With a Dynasty 529 Plan, high net-worth parents save more than is required for their children’s college education, meaning, they can continue to save in the plan even after their kids have graduated. A Dynasty 529 Plan benefits from years of tax-free growth before parents tap into it to pay for the costs of college.

However, passing on a 529 plan to future generations may result in gift taxes and generation-skipping transfer taxes. The 529 plans may also affect eligibility for need-based financial aid.

Depending on the number of descendants and increases in college costs, a Dynasty 529 Plan might not be enough to pay for the college costs of all future generations.

Why Fill Out The FAFSA Even If You Don't "Think" You'll Receive Aid Feb 12, 2025

Even if you don't think you'll receive financial aid, you likely should fill out the FAFSA.

According to Sallie How America Pays for College report, 74% of students and families completed the Free Application for Federal Student Aid, or FAFSA for the 2023-2024 school year.

So why are over 25% of students deciding not to apply? They may believe their parents make too much or that they won't qualify for another reason and don't want to waste their time.

But skipping the FAFSA can leave free money, access to student loans, and other opportunities on the table.

Even if you don’t think you need it now you might wish you had later on. The FAFSA application window is open now.

Here’s why you should fill out the FAFSA even if you don’t think you’ll receive aid.

How to Actually Get a Full-Ride Scholarship Feb 03, 2025

A full-ride scholarship covers the full cost of attendance, including tuition, fees, room and board, books, supplies and equipment.

It can include college-specific awards, national programs from private scholarship providers, and athletic scholarships.

But while winning a full-ride scholarship is a prestigious accomplishment and significantly eases the cost of paying for college, it's very elusive, with few students winning a full-ride each year. The good news is, there are steps you can take to improve your chances.

Can Colleges Withhold Your College Transcript? Jan 29, 2025

Colleges have been known to withhold college transcripts to recover unpaid debts. But this practice is becoming illegal in some places.

For many students and alumni, a college transcript is more than a piece of paper – it’s a gateway to career opportunities, additional education, and professional development. But what happens when a college withholds your transcript? Is it even legal for an institution to do that?

The answer is complicated, yet this is a reality for many who face unpaid debts to their former colleges. Let’s dive into why this happens, the rules governing transcript withholding, and how recent regulatory changes could affect you.

State Taxes And Student Loan Forgiveness Jan 28, 2025

While many types of student loan forgiveness are tax-free federally, several states may levy taxes on student loan forgiveness.

Even though some popular programs like Public Service Loan Forgiveness (PSLF) are tax free federally, every state has a different law regarding state taxes on loan forgiveness.

The American Rescue Plan Act of 2021 added an exclusion from income on federal income tax returns for student loan forgiveness through December 31, 2025 - meaning all types of student loan forgiveness is tax free on the federal level.

But what about state policies for taxing student loan forgiveness? Some states provide tax-free status for student loan forgiveness and some do not. This could be an unexpected tax bomb waiting for some Americans.

College Rankings Fraud and Loan Forgiveness: What to Know Jan 23, 2025

With the recent reports about colleges providing false information for rankings, could college ranking fraud or misleading financial aid award letters qualify you for student loan forgiveness?

Borrower Defense to Repayment can discharge a borrower’s federal student loans when they were defrauded by their college. But what does the Department of Education define as "defrauded"?

With the recent reports of colleges (especially some 'prestigious' ones) providing false information to boost their scores in rankings like US News, and other reports of colleges sending misleading financial aid award letters to make their schools appear less expensive to attend - the question of what is considered fraud extends well beyond the issues that we've seen with for-profit colleges.

Can you qualify for loan forgiveness if your college provided false and misleading information to the college rankings? Can you qualify for student loan forgiveness if your college provided a misleading financial aid award letter?

The answer is, as is often the case in matters relating to financial aid for college, “it depends.”

Federal vs. Private Student Loans: What To Know Jan 22, 2025

If you're looking for additional funds to pay for college, you may be looking at Federal vs. private student loans.

After you're admitted to college, you’ll receive a financial aid package that breaks down your cost of attendance minus any grants, scholarships, or other sources of financial aid you’re eligible for. This financial aid package includes federal student loans.

Many students choose to cover their college expenses with Federal student loans, but it's not the only way (or you may need to borrow more than Federal loans offer). You can also use private student loans. There are pros and cons to consider before going the private route, but it might be the right decision depending on your financial situation.

We explore the differences between federal vs. private student loans and what you should consider before signing on the dotted line.

$1 Trillion In CDs Are Maturing In 2025: Here's What You Need To Know Jan 16, 2025

CDs (or certificates of deposit) are low-risk savings vehicles offered by banks, credit unions and many other financial institutions.

Individuals can commit a certain amount of money for a specific period of time, and the issuing bank commits to paying a specified rate of interest.

CDs generally have terms ranging from a few months to several years, and usually offer higher yields than savings accounts. But with over $1 trillion in CDs maturing in 2025, investors have some big decisions to make.

Can A 529 Plan Be Used For Dual Enrollment? Jan 15, 2025

Dual enrollment allows you to earn college credit while you’re still in high school. Doing so can help you save money on the total cost of your education while preparing you for a more rigorous course load once you start college.

A 529 plan can be used for dual enrollment but there are some things you should be mindful of before you withdraw funds from your account.

How To Invest $50,000: 7 Different Options To Invest Your Cash Jan 12, 2025

If you've come into a windfall of money, you might be wondering what is the best way to invest $50,000 (or even more)?

With a large amount of money to invest, you have several different options.

There is no single "right answer" that will work for everyone—instead, what works for you will depend on your own unique situation. But being aware of the different options helps you make the best choice.

And note - there might be some things you want to do before you invest such as paying off debt. Let's talk about some of these options.

What Are The Best 529 Plans Based On Performance? Jan 07, 2025

529 plan performance is tough to measure - it's not just the investment returns, but it's also about the tax benefits and fees.

Minimizing costs is usually key to maximizing returns, but not always. Sometimes, state income tax breaks can compensate for the cost of 529 plans with higher fees. So, how can you find the best 529 plan for your state and situation?

A more focused analysis of 529 plan portfolio performance net of costs and state income tax breaks yields results that differ from traditional 529 plan ratings.

Let's break it down.

5 Legal Ways To Lower Your Student Loan Payment Jan 06, 2025

Don't you wish you could lower your student loan payment? It's possible, and legal, do work some "magic" to get your student loan payment lower.

If you don't do anything with your student loans, you're automatically signed up to a generic repayment plan that typically has even payments for 10 years. However, that can be tough, especially right after graduation.

Maybe you've just started working, or maybe you don't even have a job yet and you're just side hustling to make a little money? Maybe that standard repayment plan option just isn't working for you, and you're worried what will happen if you don't make a payment or you default. Maybe you haven't looked at your student loans since before the payment pause?

If you're considering student loan deferment or forbearance, or if you're thinking about simply ignoring your student loan payments, don't!

Here are five legal ways that you can lower your student loan payment so you don't have to go into default.

How To Start Investing After College For 22 – 29 Year Olds Jan 04, 2025

You know you want to invest. You know you need to invest. But honestly, how do you start investing in your 20s after college?

Who do you trust? Do you pay someone to help? How do you know you're not going to be ripped off? Or even worse - how do you know you won't lose all your money? If you want to invest after college, here are our thoughts.

For 20-somethings, investing is important, and you know it. In your 20s, time is on your side, and the more you save and invest now, the better off you'll be later.

But, frankly, getting started investing after college is confusing. There are so many options, tools, thoughts, blogs to read about, and more. What the heck do you do?

I'm

going to share my thoughts on what you should do to start investing

after college in your twenties when you're 22-29 years old. Let's dive

in.

Do Colleges Look At Your Attendance? Jan 03, 2025

Applying to college may be the most stressful thing you've encountered in your life so far.

Depending on the college you're applying to, you may have to submit grade transcripts, test scores, evidence of extracurricular activities, essays, and references.

But one thing that colleges will almost never ask you about is your high school attendance. It's important to note that many high schools do include attendance information as part of your grade transcript.

However, in almost all cases, colleges will not look at your high school attendance record.

How To Do Your Own Taxes (DIY or Tax Pro) Jan 02, 2025

Our parents had it rough during tax season. Doing their own taxes sometimes took a week or more.

They’d spread papers and receipts across the kitchen table. Then they’d punch numbers in a calculator and flip through the IRS’s annual tax guide until ink coated their fingertips.

Yikes!

Today, thanks to tax software and other innovations, we can do our own taxes with fewer headaches. In fact, doing your own taxes with tax software should likely take you less than an hour (even less if you're organized). And new apps even allow you to do it on your phone!

Here's what you need to know about how to do your own taxes!

Need Blind Colleges: What To Know Dec 30, 2024

As you start to consider where you’ll go to college, affordability is typically top of mind. The cost of higher education in the U.S. can be daunting, but understanding financial aid policies – and identifying need-blind colleges – can make the process less overwhelming.

If you’re unfamiliar with the term “need-blind,” it refers to an admissions policy in which a college chooses not to consider a student’s financial situation when making the decision on whether to admit that student.

Here’s everything you need to know about need-blind schools and how they might impact your college decision.

How To Become A Billionaire Dec 28, 2024

Curious how to become a billionaire? It's a question that got me thinking...

Earlier this year, I was browsing social media and came across an interesting post. Someone asked a pointed question, which seemed particularly relevant as I was in Las Vegas at the time. “What do you need to do to become a billionaire?”

With all of my personal finance and business knowledge, I began to ponder what my top advice would be. I came up with two answers pretty quickly. Here are my thoughts on how to become a billionaire.

Are The Benefits of Business School And An MBA Worth It? Dec 27, 2024

The thought of going back to business school appeals to those who want to boost their income and advance in their career. However, business school can cost anywhere from $20,000 to $150,000 per year, so it is critical that the benefits of business school will outweigh the costs. Even the average cost of $60,000 is too expensive to "find yourself".

If you're thinking about going to business school to get your MBA, you should do so with specific purpose and be working to realize specific benefits. You need to have a specific ROI on the investment in your education.

Is going to business school and getting an MBA worth it? Maybe.

I received my MBA and I can honestly tell you that it was only worth it because it was partially-paid for by my employer. The true out-of-pocket cost of $80,000 would probably not have been worth it.

With that being said, these are the questions that you should answer before pursuing an MBA.

What To Do With Your Unwanted Christmas Gifts Dec 23, 2024

Christmas is over! Now it's time to handle all of the unwanted Christmas gifts that you're stuck with. Hopefully you have a family full of awesome gift-givers, and you want to keep everything you got. But the fact is, most of our families are terrible gift givers, and you probably have a bunch of Christmas gifts you don't want or need.

So what should you do with these unwanted gifts? Well, not all hope is lost. Here are some ways that you can turn those unwanted Christmas gifts into cash.

Are you ready to earn money from those unwanted gifts?

Medical School Admissions Guide: What To Know Dec 19, 2024

The competition to get into medical school is intense, and you need to be prepared. Start your planning with our medical school admissions guide. Learn more.

Can You Return Unused Financial Aid Money? Dec 18, 2024

Financial aid consists of loans, scholarships, and grants that help cover the cost of college. Depending how much you need to pay for books, tuition, and housing, you may have some money leftover in your bursar’s account.

What should you do with unused financial aid money? Should you spend it or save it for the future? More importantly, can you return it if you don’t need or want it?

Let’s dive deeper into the pros and cons of unused financial aid money and whether or not returning it is the right move to make.

How To Make Group Work And Group Projects Successful Dec 16, 2024

If there’s one thing you’re certain to encounter in college, it’s group projects. Some students love the collaboration, while others dread the challenge of coordinating and communicating with classmates.

And while many might warn you to prepare yourself for uneven workloads, unclear expectations, and endless group chat notifications, it’s not all bad.

Group projects don’t have to feel like a chore. In fact, they can actually create opportunities to learn essential skills, such as collaboration, leadership, and problem-solving. The secret to success lies in preparation, communication, and strategic planning.

With the right approach, group work can be a rewarding experience for everyone involved – and a chance to deliver results that are better than what you might have achieved on your own.

Graduate School Admissions Guide Dec 15, 2024

Graduate school is an opportunity to advance your education and further your career.

While post-pandemic applications are up, actual enrollments are down, so right now is as good a time as ever to send in your application.

One huge perk of graduate school is that your career earnings are likely to be higher than if you only had a bachelor's degree.

For 2022, the Bureau of Labor Statistics reported an annual median wage difference of $11,908 (or $229 weekly).

And that’s just the difference between a bachelor’s and a master’s – other professional or doctoral degrees can lead to even higher annual incomes.

8 Ways to Protect Your Financial Data from Hackers Dec 13, 2024

In today's world of data breaches, online banking, and online shopping, it's essential that you take practical steps to keep your financial information secure.

Unless you’re an unbanked person, most of your personal and financial information is online.

That means it could be accessible to hackers and thieves who can cause headaches (and financial loss) as you try to clean up their mess.

Keeping your information as secure as possible will help you avoid these headache and keep your finances moving forward.

Whether you’re more worried about nameless hackers, nosy roommates, or kids who want to use your credit cards, here are a few of the best ways to secure your financial information.

How Does the College Admissions Process Work? Dec 11, 2024

You’re reading this because it is likely that a year from now, you will be getting ready to attend a college to pursue a major you’re excited about. But how does the college admissions process even work?

At this point, you’re on an information highway that all seems confusing and blurry because of the number of things you have to think about in order to attend college next year.

PSATs, SATs, letters of recommendation, choosing a major, and visiting college campuses are most likely piling up on your agenda — or will be soon.

And hopefully, a year from now, you would have landed that coveted spot at the university of your choice. But how exactly does the college admissions process work? How do you get from here to there?

While it works differently at different colleges, there are common themes that run through the college admissions process and the goal with this post is to show you what you can expect as you go through the process.

The Pros and Cons Of Tax Refund Advance Loans Dec 10, 2024

With tax season quickly approaching, you’re probably seeing ads for refund anticipation loans. Refund anticipation loans (also known as refund advance loans or tax refund loans) are a form of secured debt.

A lender (usually a tax preparer) will give you an advance on your tax refund (often up to $3,000). In exchange, the tax preparer will pay the loan back (both principal, interest and fees) when the refund arrives at the preparer’s office. Then the remainder of the refund will then be passed to you. These are some of the pros and cons of taking a tax refund advance loan.

Now, here’s what you need to know about tax refund advances.

How Much Do Federal Student Loan Servicers Make Per Loan? Dec 10, 2024

Borrowers often believe that student loan servicers get to keep the interest on the loan. But it doesn’t work like that.

Servicing companies collect payments of principal and interest on behalf of the loan holder (the Department of Education in the case of federal loans). In exchange, they're paid a monthly fee for each loan serviced.

So how much do federal student loan servicers make per loan?

Will Student Loans Take My Tax Refund In 2025? Dec 09, 2024

Student loans are back in repayment, and starting in 2025, that also means that collection activity has resumed on student loan debt. Could your student loans cause you to see your tax refund garnished?

According to data from the Department of Education, around seven million borrowers have defaulted on their student loans. Those who are in default could risk having their tax refund seized come tax time.

You might be planning on getting a tax refund in 2025 but if you’re in default on your federal student loans, your refund could be at risk. Here’s what you need to know about how tax refund garnishments work and how to stay out of default to avoid losing your refund.

Does What College You Went To Matter? Dec 07, 2024

Deciding what college to attend is a big decision. It could potentially affect your entire life.

But will it? Does what college you go to actually matter?

Prestigious schools definitely have some benefits, such as networking opportunities and name recognition on your resume. But do the benefits outweigh the costs?

Public schools and community colleges can both offer a high quality education at a fraction of the cost. But are you giving up opportunities that a name brand school could give you?

Society values education and they may respect education from a prestigious college even more. Is there proof that prestigious universities offer more opportunities and financial footing, or is it just a dream we’re bribed to fall into?

529 Plan Ownership Rules Explained Dec 04, 2024

529 plans offer a dedicated way to save for education costs. Generally, parents or grandparents open up 529 accounts to build up a war chest for the beneficiary to eventually use on college or other educational costs.

Since the primary contributor to a 529 isn’t the beneficiary of the account, the ownership rules might feel a bit murky.

We get clear on 529 plan ownership rules in this guide.

Does The Government Profit Off Of Student Loans? Dec 03, 2024

It should be a simple question - does the government profit off of student loans? But depending on who you ask, the federal government either earned a profit or lost money on federal student loans prior to the pandemic. The answer depends on political and accounting perspectives.

During the pandemic, however, the payment pause and interest waiver has caused the federal government to lose money on federal student loans, regardless of the method used to calculate the subsidy rates. By forgoing nearly $5 billion a month in interest, the federal student loan program swung from a profit to a loss even in the most optimistic of projections.

Let’s take a tour of how the federal government’s budget calculates the subsidy rates for various federal programs. But, before we do this, let’s review the concept of net present value accounting.

The Secret To What Colleges Want In Students Dec 02, 2024

The college admissions process is notoriously competitive. The last several decades might even indicate that getting into college has become harder, overall. College acceptance rates hover at a national average of 68%, though the rate at some of the nation’s top institutions is a shocking 3%.

Let’s put that into perspective, though. Of course, acceptance rates drop when more students are applying, and colleges have largely seen nonstop growth since the mid-twentieth century. There are roughly two million more students enrolled in college today than in 2004 and just over seven million more enrolled today than in 1984. In only four decades, that’s nothing to sneeze at!

And while colleges tend to emphasize the importance of an applicant’s academic performance, extracurricular involvement, and personal essay, there are more covert factors taken into account that are not discussed publicly. Read through these less obvious yet significant aspects that could play a role in your admissions decision.

Where TO Cash A Tax Refund Check If You Don’t Have a Bank Account Dec 02, 2024

It’s almost tax refund season, and if you’re anything like the average American, you’re excited to get your hands on your refund check.

But how are you supposed to cash your tax refund check if you don’t have a bank account? Using a check-cashing outlet can involve expensive fees. Plus, it’s risky to walk around with thousands of dollars in cash in neighborhoods that are often dangerous.

Want to avoid excessive fees and keep your cash safe? Here are a few ways to get your tax refund when you don’t have a bank account.

How To Use A 529 Plan For Trade School Nov 27, 2024

If you or your family have saved money for your education within a 529 plan, you can use those funds to pay for qualified education expenses without tax implications.

But how about students who opt to attend a trade school instead of a traditional college or university? Can you still use the funds in your 529 to cover college costs.

We explore what the funds in your 529 can be used for, whether apprenticeships are eligible, and share some tips of how to fill any potential funding gaps.

Who's To Blame For The Student Loan Crisis? Nov 26, 2024

The student loan problem is complex and has multiple underlying causes. Rising college costs, increased student borrowing, complicated repayment options, and a lack of adequate oversight have all contributed to the problem.

Several stakeholders share responsibility for this crisis: federal and state governments, educational institutions, loan servicers, private lenders, and even individual borrowers who may not fully grasp the long-term implications of their loans.

Colleges have raised tuition faster than inflation, and government grants have failed to keep pace with increases in college costs, pushing more costs onto students and their families. Loan servicers and lenders have also been criticized for misleading practices, and many borrowers lack access to sufficient financial education before taking on debt.

Solving the student loan problem requires a comprehensive strategy, not a single solution. Addressing the problem will require a multifaceted approach involving policy reforms, simplifying the student loan programs, and better regulation of college costs and lending practices. Additionally, increasing financial literacy can help students make more informed decisions about borrowing and repayment.

Ultimately, understanding the root causes of the student loan problem is key to developing effective and sustainable solutions.

Warning: AI Can Seriously Hurt Your Finances Nov 25, 2024

Curious about how AI answers work in personal finance? Hint: not very well. In fact, so bad that you could really hurt your finances.

Robert joined the Stacking Benjamin's podcast to discuss AI in Finance, including sharing the results of The College Investor's recent AI Study.

Check out the full interview here!

Average Net Worth Of Gen Z By Age Nov 21, 2024

We break down the potential average net worth of Gen Z by age, based on available data from the Federal Reserve, as well as other assumptions.

How Much Does Your Student Loan Interest Rate Matter? Nov 21, 2024

How much your student loan interest rate really matter when it comes to repaying a student loan? What is the impact of interest rates on loan payments?

The truth is: not that much.

One of the most popular "alternatives" to blanket student loan forgiveness has been the argument that the federal student loan interest rate should be set to 0%.

But given the wide array of student loan forgiveness programs and other assistance - does your student loan interest rate really matter?

Let's look at how the interest rate impacts your student loans.

How Accurate Are College Cost Estimates? Hint: Not Very Nov 20, 2024

According to a new report from John Burton Advocates for Youth (JBAY), College Cash Uncovered, there are significant discrepancies between colleges’ published cost of attendance (COA) budgets and the actual expenses students face. These discrepancies contribute to college affordability challenges and inadequate financial aid. This leaves some students with financial gaps of $10,000 or more.

John Burton Advocates for Youth (JBAY) is a nonprofit organization that focuses on improving the lives of youth who have experienced foster care or homelessness. They work on policy advocacy and providing resources to at-risk youth, including stable housing, education, healthcare and financial support. The organization tries to address higher education access, financial aid and foster youth transitions into adulthood.

Financial Literacy For Teens And Parents On The Way To College Nov 18, 2024

Today's episode is an interview Robert had with Shellee Howard from the College Ready podcast.

He talks about financial literacy for teens and parents, the ROI of college, how to think about student loans, 529 plans, and more!

We hope you enjoy the episode. If you want to learn more about the College Ready podcast, check it out on your favorite podcast platform.

Strategic Default For Student Loans: What You Need to Know Nov 15, 2024

In 2011, some protestors encouraged borrowers to refuse to repay their student loans as part of Occupy Wall Street. They said that if enough borrowers joined this protest, the lenders would have no choice but to cancel the student loan debt.

Few people participated, and even those that did only lasted for a month or two. Nobody went into default as part of this protest.

More recently, after the U.S. Supreme Court blocked President Biden’s broad student loan forgiveness plan, some student loan protestors are once again urging their fellow borrowers to intentionally default on their federal student loans as a form of debt disobedience.

This kind of strategic default on federal student loans was a dumb idea then and it is a dumb idea now.

When a borrower defaults on their federal student loans, the only one hurt is the borrower, not the federal government.

Borrowers can’t force the federal government to forgive their student loans by refusing the repay them. Borrowers have no leverage, not even if they act together as a collective.

Even if the borrowers had some leverage, the U.S. Department of Education does not have the legal authority to forgive student loans, just as it doesn’t have the authority to incarcerate defaulted borrowers. Only Congress has the ability to pass laws to forgive student loan debt.

How Does A College Admissions Waitlist Work? Nov 13, 2024

Being placed on a college admissions waitlist can create a mixed bag of emotions for applicants. On one hand, it isn’t an outright rejection, but on the other, it can feel as though you're being left on the sidelines.

After all the effort you’ve put into essays, interviews, and extracurriculars, being placed on a waitlist can be discouraging and frustrating. But understanding how a waitlist actually functions—and more importantly, what your odds of getting in might be—can help ease some of that uncertainty and inform your next steps.

We’ll dig into how the college waitlist process works, factors that influence acceptance from a waitlist, and what you can do to improve your chances. We’ll also look at real data from UC Berkeley's 2022 admissions cycle to give you a sense of how waitlist odds play out in reality.

How Much Money For Retirement Do I Really Need? Nov 10, 2024

Many people wonder just how much money they actually need to retire. In fact, it’s actually one of the most common questions people ask in regard to retirement.

However, it may not be the easiest question to answer, as there are so many variables—many of which are unknown.

You can begin to grasp how much you will need to retire, though, by considering the following questions.

Inside The Secret World Of Debt Settlement Nov 06, 2024

Debt settlement is widely talked about as a way to get out of debt, but not many people truly understand how it works.

You may have recently experienced a financial hardship and are strongly considering consolidating your debts to relieve some pressure. Before bankruptcy, there are two main debt consolidation options to consider.

The first is a debt consolidation personal loan. This is often for those who still have a good credit score and debt-to-income (DTI) ratio. The second is debt consolidation via debt settlement, which is what we will cover today.

The debt settlement industry has had many companies that have been unscrupulous. In fact, the Consumer Financial Protection Bureau (CFPB) has repeatedly warned borrowers that dealing with debt settlement companies can be risky. Does that mean that all of these companies are bad and you should never work with one?

Let's look at how debt settlement works, its pros and cons, and the most common scams and red flags of unethical debt settlement companies. Here's what you need to know.

Best End Of Year Financial Tips (And To-Do List) Nov 04, 2024

Here's our financial checklist of the best money moves you can make by the end of the year to maximize your savings and investments while minimizing your taxes.

The end of the year can be a whirlwind. But the actions you take over these final months can have large impacts on your tax bill next April and your long-term financial health.

By taking proactive steps now, you can ensure that your financial life is organized and primed for success as you head into the new year. Wondering which items are most important to add to your end-of-year financial to-do list? Below are nine money moves to make before the new year to boost your bottom line.

Why You Should Never Apply To An Out-Of-State School Oct 31, 2024

Embarking on the journey to higher education is a life-changing decision. One of the first and biggest challenges many prospective students encounter is whether to pursue a college education in-state or out-of-state.

As you know, the average cost of tuition has been on an upward trajectory since sometime around the 1980s. College tuition at a public four-year university increased 9.24% between 2010 and 2022, averaging a 12% increase each year in that period.

Not only does higher tuition mean greater costs for education, but it also means greater likelihood of finding yourself graduating with larger student loans. This is particularly concerning when the average student loan debt of recent graduates is $33,500.

In this episode, I’ll dive into the reasons why opting for an in-state college might prove to be a better long-term decision for you. From location and affordability to in-state benefits and quality of education, I aim to shed light on the advantages of keeping your educational investment in-state.

5 Scary Money Facts and Statistics Oct 30, 2024

This Halloween’s most terrifying stories have more to do with your money than goblins and zombies.

In light of this spooky season, we’re sharing some scary financial statistics and facts about money that could happen to you. But no need to run screaming, we give you a few recommendations to help you if you’re ever caught in any of these situations.

Should You Have Your Tax Prep Fees Taken Out Of Your Tax Refund? Oct 28, 2024

Should you pay extra to have your tax prep fees taken out of your upcoming tax refund? It sounds like an appealing offer - paying nothing out of pocket. But is it really worth it?

The help of a tax preparation service can make your life easier and potentially lead to savings on your tax bill, but having to pay up front for tax prep services can feel like a hit to your wallet.

One option is to allow the company to take your tax preparation fees directly from your future tax refund. We explore when it makes sense to pay for tax preparation services, when it doesn't, and the logistics of paying.

10 Things Business Owners Should Do Before Year End Oct 21, 2024

If you’re a business owner, the end of the year can be a very busy time.

With the holiday season on the horizon, you may be juggling the demands of your business while making space to spend time with family and friends.

There are several things you can do by the end of the year to end on a high note and get ready for tax season. With only 12 weeks left, here are some things business owners should do before the end of the year.

How To Make Money Using AI Oct 10, 2024

More and more people are learning how to make

money using AI (artificial intelligence). The impact of AI on

freelancing has been the subject of plenty of discussion as artificial

intelligence begins to transform how freelancers operate and get paid.

With

a wide range of tools available on several platforms, you can now

leverage AI to improve your productivity and provide clients with

cutting-edge solutions.

In this article, we'll explore how AI can be used to perform various side hustles and freelance work, from content writing to affiliate marketing to video creation via YouTube.

What Is the Average Cost of College? (And How to Reduce Costs!) Oct 09, 2024

How much will college cost for students aiming to enter in the fall? The most recent data on the average cost of college is out, and we're breaking down the details.

If you’re a millennial or Gen Zer, you might have heard people in their 50s and 60s talking about working their way through college and graduating with little debt. Today, that seems impossible. And that has contributed to students graduating with an average of $30,000 in student loan debt.

How much does college cost today? Is it worth it to pay that much for a college degree? Well, we have the data through 2023 (the most recent available), so let's break it down.

In today’s post, we’ll talk about the average cost of a college education over time and how you can get the most for your money as you research and decide on which colleges to attend.

Should You Refinance Your Student Loans? Oct 07, 2024

Most people should not refinance their student loans. However, for some niche situations, it can make sense to refinance your student loans.

There are various potential benefits and drawbacks to student loan refinancing. So when you're trying to decide if you should refinance your own student loans, there are multiple factors to consider.

The decision will often heavily depend on the type of loan that you have, whether federal or private. If you have federal loans and are currently taking advantage of one or more federal benefits, you might want to avoid refinancing so that you don't lose them.

But even if you aren't currently utilizing any federal student loan benefits, that doesn't necessarily mean that you should rush to refinance your loans right now. Here's how to decide when you should refinance your student loans and how to get the lowest rate when you do.

10 Interesting Ways You Can Make Money Driving Oct 05, 2024

If you have access to a reasonably reliable car, then congratulations! Making money driving is one of the best side hustles!

A decent car is the biggest asset most Americans own, other than their houses. And there are a lot of ways you can make money driving or with your car! In fact, I've seen some people try to raise fast cash by selling their cars.

But what you might not realize is that there are a lot of other ways to make money using your

car. If you have a car and don't mind driving it around, then you're well on your way to earning hundreds of dollars on the side every month.

This has been true for decades — a paper route or a pizza delivery job has always meant using your own wheels — but the app-based gig economy and the Internet generally has vastly expanded the ease of getting paid to drive your own car. Without further ado, here are some of the best ways to start making money driving your car today.

If you want other money-making ideas, check out our Side Hustle Ideas post.

10 Biggest FAFSA Mistakes That Could Cost You Financial Aid Oct 04, 2024

The FAFSA – or Free Application for Federal Student Aid – is required for students who want help paying for college. The application is managed by the Department of Education and helps federal, state, and college-level programs allocate financial aid. This includes grants, federal work-study, and eligibility to qualify for student loans.

How much aid a student receives depends on a number of factors including their personal finances. Because many college students receive support from their parents, the entire family’s financial situation is also taken into account as part of the application process.

Filling out the FAFSA correctly is important if you’re expecting to receive financial aid to help pay for college.

Small errors can impact how much you receive or whether or not you receive financial aid at all. These are the 10 biggest FAFSA mistakes you’ll want to avoid.

What Is Tuition Insurance And How Does It Work Oct 03, 2024

I was recently asked a question by a reader about the drawbacks of getting a private student loan.

She asked why she shouldn’t get a private student loan, when interest rates are so low right now. She would need to cosign with her daughter on the loan in order to get the best rate.

My advice was as follows: the biggest danger of a private student loan is that the cosigner is also liable for the debt. So, should something happen to her daughter, and she can’t graduate and earn income, she will be on the hook for the debt.

However, there are options to protect parents when it comes to paying their children’s tuition – tuition insurance.

Below, we’re giving you our best insights into tuition insurance and sharing our top picks for tuition insurance providers.

10 Crazy Ways To Make $10,000 You’ve Never Heard Of Sep 29, 2024

Let's talk about $10,000... how to get there and make it happen. Why $10,000? Because it's a number that's big enough to make a difference, but small enough to be achievable by most people who set out for it. And there are some crazy ways to make $10,000, so this will also be pretty fun!

We recently discussed how to pay down $10,000 in debt in just one year. One of the strategies is to earn more money - but many people don't think they can earn $10,000 extra in just one year.

Today, I'm going to show you some of the more unique ways that you can do it.

In reality, there are countless ways to earn $10,000 more in a year. That breaks down to just $833.33 per month. If you don't like these more extreme ideas, here's a list of 50 ways you can do it more of "the old fashioned" way.

Believe it or not, these have happened. And people can make good money doing it.

3 Ways To Minimize Your Student Loan Debt Sep 27, 2024

If you’re listening to this, you probably either have student loan debt or you’re about to incur student loan debt and you're looking for ways to minimize your student loans.

With student loan debt balances on the rise, your best bet is to pay off your student loan debt as quickly as possible, or better yet, stop the debt from piling up by taking the preventative measures.

Many graduates have to put their life on hold because of common student loan mistakes. Avoid making these mistakes and get rid of your student loans in 3 easy steps!

According to USA Today, up to 68% of college graduates enter the workforce with student loan debt. Our study found that the average student loan debt at graduation is roughly $30,000.

To minimize the impact, follow these 3 simple steps to avoid unnecessary debt from accumulating.

How To Find Free Community College And Save Money Sep 23, 2024

With college costs and student debt on the rise, students and their parents need to think about ways to cut the overall cost of higher education.

Even if a student wants to attend a four-year university, starting at a two-year university can conservatively lead to five-figure savings. Students who decide against earning a bachelor’s degree can gain a credential (associate’s degree) while spending less time and money than they would in a traditional public university.

Whether a student’s goal is to start a career as soon as possible or to earn a bachelor’s degree and beyond, using community college to save money and get ahead can be a smart move. In fact, attending a two-year college may be the most broadly-accessible method to reduce costs while still getting a head start on education.

What To Do With A 529 Plan If Your Child Doesn't Go To College? Sep 19, 2024

Today's episode is an interview Robert had with Chuck Jaffee from the Money Life Show. He helps answer a reader question: what happens if you have money saved for college in a 529 plan, but then your child (or niece or nephew) don't actually go to college. What are the options? If you're starting from scratch, should you still consider a 529 plan?

We hope you enjoy the episode, and if you want to learn more about the Money Life Show, check them out on your favorite podcast platform.

8 Ways That Student Loans Can Get You Fired Sep 17, 2024

Did you know that your student loans could get you fired?

Imagine this: One day your boss pulls you into his office, sits you down, and says there is a problem. However, your work itself has been flawless. But he doesn't want to talk to you about work — he wants to talk to you about your credit report.

You see, when you were hired, you agreed to let your employer run your credit report (maybe unknowingly, simply signing a form in your hiring packet). And now, for whatever reason, your boss lets you know that HR has concerns about your debt. Suddenly, you go from star employee to looking for a job.

You already know that student loans suck. It's a fact of life. But did you know that your student loan debt can get you fired? It's happened, and here are eight reasons why, and what you can do to prevent it.

FERPA Waiver: Should Parents Force Their College Kids To Sign It? Sep 16, 2024

A FERPA waiver, when signed by a student, allows parents to gain access to academic records during college. However, this raises an interesting question: should parents push their college-bound children to sign?

Many parents, accustomed to having access to their child’s academic records throughout high school, are surprised when they no longer have the same access once their child enters college. As a result, some parents may consider requesting – or even pressuring – their child to sign a FERPA waiver. But is this a good idea?

We’ll explore the nuances of FERPA, the implications of signing a waiver, and the potential consequences of forcing a college student to comply.

What Is The 529 Plan Penalty And How To Avoid It Sep 13, 2024

One of the biggest fears families have about using a 529 plan to save for college is the dreaded 529 plan penalty.

There are many ways to save and pay for college, and the absolute best way to do it varies depending on your specific situation. A 529 plan, which is designed to help you with higher education expenses, is a type of tax-advantaged account that allows you to save and invest money.

As long as you withdraw that money for qualified expenses, you can do so without paying taxes on it. However, if you don't use the funds in your 529 plan for qualified education expenses, you may be assessed a tax penalty.

Thankfully, it's fairly straightforward to avoid this 529 plan penalty, as long as you take a few precautionary steps.

Understanding Grandparent-Owned 529 Plans Sep 12, 2024

What is a grandparent-owned 529 college savings plan? How do they work? What do you need to know about them and what changes should you know about?

A grandparent-owned 529 plan is a type of 529 college savings plan where the account owner is a grandparent, as opposed to a parent. The grandchild is the beneficiary.

Another alternative would be a custodial 529 plan account, where the grandchild is both the account owner and beneficiary, but the grandparent serves as custodian. There is no limit on the type of 529 plan where grandparents can make contributions. Grandparents can contribute to grandparent-owned 529 plans, custodial 529 plans, and parent-owned 529 plans.

Keep in mind that grandparent-owned 529 plans have a different impact on eligibility for need-based financial aid than parent-owned 529 plans. Here's what you need to know if you're interested in a grandparent-owned 520 plan.

Why Do Smart Low-Income Students Not Enroll In Selective Colleges? Sep 11, 2024

Low-income students are half as likely to enroll in selective colleges as compared with high-income students with similar grades and test scores. This is called undermatching.

These students are often academically talented and likely to be admitted.¹ ² Still, many end up at less-selective colleges, such as lower-cost public colleges and community colleges. Some don’t enroll in any college at all.

Public policy advocates have claimed that very selective colleges are more affordable for low-income students, despite the higher cost of attendance. For example, Matthew M. Chingos wrote in a Brookings Institution article, “For low-income students, these colleges will generally cost them and their families less than a less-selective institution with a lower sticker price but fewer resources for financial aid.”

But is this true? Does generous financial aid really make selective colleges more affordable than lower-cost colleges? Or are selective colleges just trying to shift blame for their failure to enroll more low-income students? Below, we take a deep dive into the data to answer those questions.

Answering The Question: What To Do After College? Aug 28, 2024

I don't know what to do after college!?! It's one of the most common questions I hear - from high school grads, to college students, to even some nearing college graduation.

If you find yourself saying, “I don’t know what to do after college,” you are not alone.

The truth is, most college grads have a "now what" moment. You've basically lived your entire life to-date in some type of educational setting.

Even if continuing on to grad school or some form of post-baccalaureate education is not in your immediate future, and a job is not exactly what you are looking for, there are ways to live life after college that will still make you a productive member of society.

I'm going to share with you my thoughts on what to do after college. Maybe you think these are basic - fine. But maybe they will give you some food for thought.

6 Elements Of A Solid Personal Financial Plan Aug 26, 2024

Are you ready to take control of your financial future?

You don’t need a financial advisor to develop your own financial plan. In fact, YOU are the best person to put one together.

When you’re directly involved in mapping out your finances you’ll be more likely to actually stick with your goals. Plus, you’ll have a keen awareness of where you stand financially and what it’s going to take to get you to the next level.

Here are six elements of a strong financial plan.

What Is Demonstrated Interest And How Does It Impact College Admisssions? Aug 19, 2024

Demonstrated interest refers to the ways a student indicates interest in a specific school. This includes visiting campuses, reaching out to admissions officers, participating in prospective student events, and even interacting with the school’s online resources.

Let’s face it: the college admissions process is notoriously competitive. Over the past few decades, getting into college has become increasingly difficult, with the average acceptance rate hovering just under 70% across the US.

Gone are the days when admissions officers only looked at a prospective student’s grades and test scores. Now, students face a whole list of factors that schools secretly look for.

Demonstrated interest is on that list.

What Happens To Your Financial Aid If You Drop Out Aug 14, 2024

If you drop a class or drop out of college, you may have to repay all or part of the financial aid you received. How much depends on the type of financial aid and when you dropped the class or left school.

Even though the Federal Pell Grant is a grant that normally does not need to be repaid, you may have to repay all or part of it in certain circumstances.

And let's face it, even the best students may drop a class here and there. So here's what you need to know about the impact on your financial aid if you drop a class or even drop out.

What Is The Average Cost For Tutoring? Aug 12, 2024

The average cost of tutoring can vary based on a number of different factors. While it used to be something only the wealthy could afford lower costs and new technologies are making it more accessible.

For example, working with a private tutor in a large city, will likely be more expensive than working with a tutor remotely.

This article dives into tutoring costs and some of the things you’ll want to consider before you begin working with a tutor.

Tuition Insurance And Dorm Room Renters Insurance With GradGuard CEO John Fees Aug 05, 2024

Today's episode is a live stream interview with GradGuard CEO John Fees. We talked about tuition insurance and when it makes sense, and then covered dorm room renters insurance. There was some listener Q&A mixed in!

Enjoy! Let me know what you think.

How To Start Investing With $100 Jul 29, 2024

Did you know that you can start investing with $100 or less? Most people think that you need thousands of dollars to get started investing, but that's simply not true. In fact, I started investing with just $100 when I started working my first job in high school (yes high school).

It's possible to start investing in high school, or in college, or even in your 20s.

Even more food for thought - if you invested $100 in Apple stock in 2000, it would be worth $25,000 today. Or if you invested in Amazon stock at that same time, it would be work over $3,500 today. And that's just if you invested $100 once.

Imagine if you invested $100 monthly since 2000 in Apple stock? You'd have well over $4,000,000 today. Seriously.

5 Reasons To Use Tuition Insurance Jul 15, 2024

Life during college often comes with many ups and downs. Sometimes, life throws an unexpected curveball that requires students to withdraw from school mid-semester. If you’ve already paid for classes, you might not get a refund. That’s where tuition insurance can help.

Whether you are a parent or student, tuition insurance can be a worthwhile way to secure your investment.

In partnership with GradGuard, let’s take a look at five common reasons you should consider tuition insurance. GradGuard is a leading tuition insurance provider and they can help you protect your college financial investment.

Get a quote here and see how affordable tuition insurance can be >>

Should Students Take A Gap Year Before College Jul 10, 2024

As high school graduation approaches, you might find yourself at a crossroads. Should you take the conventional route and go straight to college, or have you been dreaming about taking a break from school to try something new?

Either option holds its value. While fewer than 5% of high school students in the U.S. choose to take a gap year before enrolling in college, the Gap Year Association reports that “students who had taken a gap year were more likely to graduate with higher grade point averages than observationally identical individuals who went straight to college.”

In this article, we focus on common pros and cons of taking a gap year and identify some ways to help you take your next step, regardless of your decision.

How Do Tuition Payment Plans Work Jul 08, 2024

A tuition payment plan is a lesser-known way to pay for college as you go. It breaks your tuition bill up into smaller payments, allowing you to pay in installments over time.

Remember, how you decide to finance your college education is going to be one of the most important decisions you make in your life.

While a lot of students opt for student loans or financial aid packages, that isn’t the only way to pay for college. In this article we’ll dive into how tuition payment plans work, how much they cost, and some things you’ll want to be aware of before you enroll in one.

Financial Benefits For Married College Students Jul 03, 2024

Did you know: marital status can be a factor when determining financial aid eligibility.

If you are making your way through college after tying the knot, your financial situation will likely look different than that of your single peers, which could impact your access to financial aid.

But everyone’s situation is unique. We explore some of the potential benefits for married college students below.

Do Colleges Allow Pets? What To Know About Pet-Friendly Campuses Jun 26, 2024

In recent years, many colleges and universities have adjusted their campus pet policies to meet the changing needs of students.

Having a pet in college was once a rarity, but pet-friendly campuses are now more common as colleges work to create a more supportive environment for their students.

That said, having a pet as a college student is a big commitment in terms of financial responsibility and time commitment. From explaining common pet policies to reviewing current trends on campuses, we break down the ins and outs of owning a pet as a college student to help you make the most informed decision for you and your pet!

What Is The Ivy League And Why Are They Called That? Jun 10, 2024

Ever wonder which schools are considered "Ivy League", and where the term came from?

Ivy League schools are an elite group of eight private universities based in the northeastern U.S., best characterized by their historical campuses, rigorous academic programs, and strong alumni networks.

From explaining the term “Ivy League” to discussing the current global influence of this network of schools, we’ll walk you through the history of Ivy Leagues over time, including how they’ve impacted higher education and how relevant they are in the current age of expanding access to college.

Dependent vs. Independent Student For Financial Aid Jun 05, 2024

It can be confusing to understand whether you're a dependent or independent student for FAFSA and financial aid purposes.

Given the current cost of higher education, college students need all the help they can get when paying for college. There are a variety of different ways to pay for college, including paying your own way, scholarships, grants, and student loans.

Nearly all forms of financial aid start with filling out the Free Application for Federal Student Aid (FAFSA) form that is made available by the U.S. government. And one of the key sections of the FAFSA form is determining whether you are a dependent or independent student.

How To Handle An Inheritance Step-By-Step Jun 03, 2024

Getting an inheritance is the epitome of a mixed blessing. You receive a financial windfall, but the cause is the death of a loved one. On top of complicated emotions, you may be dealing with the largest sum of money you’ve ever seen.

Nobody is born knowing how to handle an inheritance, and few people are prepared to handle one. But if you’ve received an inheritance, you can take a few steps to use the money wisely.

How Do College Meal Plans Work? May 15, 2024

College meal plans are a way to prepay for your meals while on campus. This can be a convenient way to get food, as most college dorm rooms do not have kitchens.

Depending on the college, they may offer a variety of different college meal plans, ranging from pay as you go to an all-inclusive meal plan that covers all of your meals.

10 Tips For Living With Your First College Roommate May 10, 2024

Sharing a living space with someone for the first time, whether it’s your best friend or a total stranger, can be exciting and intimidating at the same time. There’s a lot to navigate that exists outside of your control: habits, personalities, cuisine, culture, and a number of other lifestyle factors shared in a tight space.

You’re not alone in your concerns, though, and it’s likely your roommate has been thinking something similar. Finding harmony in your college roommate experience requires a number of soft skills to foster a positive relationship and safe living environment. And I bet that if thousands of students have successfully navigated this before you, you can do it, too!

Here are our tips for living with your first college roommate!

SSA vs. SSI vs. SSDI: Key Differences And FAFSA Impact May 08, 2024

Social Security (SS), Supplemental Security Income (SSI), and Social Security Disability Benefits (SSDI) are three federal benefit programs that can provide income to Americans who aren't able to work. SS, SSI, and SDI are all are managed by the Social Security Administration.

Each of these programs, however, have different purposes and eligibility requirements. However, when it comes to taxes and financial aid, it can be confusing to understand how each work. For example, do you need to include SSDI benefits received on the FAFSA?

But how exactly do these programs work? And how do they play into your tax bill? In this article, we’ll look at each one and their impact on your paycheck, taxes, and FAFSA.

Can You Take Out More Student Loan Debt Than You Need? May 06, 2024

A common question we see every year is "can you take out more student loan debt than you need?" It sounds crazy, but some people want to take advantage of the low fixed costs and loan forgiveness options than may come in the future.

With the rising costs of tuition, fees, and college living expenses have made financing a college education increasingly difficult.

The fact remains that most of us will apply for student loans at some point in life. And while loans provide essential financial support at an important time, they come with significant responsibility and long-term implications.

So how much do you really need? And how much should you accept? Making informed financial decisions now can truly set yourself up for success later, and student loans are a great example of this. So read on to start building good financial habits!

How Do Parents Afford To Send A Kid To College? May 02, 2024

With college becoming more expensive, how can parents afford to send a kid to school?

More than a decade after completing college, 7% of Millennials still have more than $50,000 in student loan balances. Facing our reality of digging out of debt and knowing our friends' horror stories, many millennials are motivated to help their kids get through college debt-free.

While we can’t promise that you’ll be able to help your child avoid debt, we’ve got realistic tips to cover the cost of college from the day your child is born to after they graduate.

How To Save Money On Your Property Taxes Apr 29, 2024

Property taxes are typically your largest homeownership expense after paying your mortgage. Any way to save on your property taxes can be a big win for your budget!

Homeownership can be a true joy. The thought of holding your very own keys in your hands and being able to point and say “That’s my house”.

That’s until it’s time to pay property taxes. The average property tax in California is $4,694 per year whereas in places like New Jersey and Connecticut, it ranges from $6,400-$9,300 per year. This is undoubtedly not one of the joys of home ownership.

Now of course, we all want to be great citizens and do our due diligence to help with infrastructure and projects that benefit our communities. However, there is no reason to be overpaying your property taxes.

There are ways to legally reduce your property tax bill - let's dive in.

Credit Repair: What Is It And Should You Pay A Company To Help Apr 24, 2024

Bad credit can limit your ability to do a lot of things, including purchasing a car, home, getting a credit card, and in some cases, even a job. Being creditworthy certainly has its advantages.

If you don’t have good credit, there are steps you can take to fix it. The process is called credit repair. You can do it by yourself or have someone help you, for a fee of course.

We break down your options here!

What Is The PSLF Buyback Program? Apr 22, 2024

The PSLF Buyback Program allows you to "buy" missing payments that would have allowed you to qualify for loan forgiveness.

To qualify for the Public Student Loan Forgiveness, you must have 120 months of qualifying payments made while employed in a qualifying public service job.

Here's what you need to know.

Student Loan Debt And Unemployment: Steps To Take For Your Loans Apr 19, 2024

When you’re unemployed, it’s hard enough getting out of bed in the morning, let alone searching for a job. Add to that the stress of dealing with your student loans and it’s a wonder you can get out of bed at all. Student loan debt and unemployment is not a fun combination.

We wish we could snap our fingers and make your student loans disappear when you can’t pay them (and even when you can). Instead, we’ll have to settle by giving you some advice on how to deal with them while you’re unemployed.

Before we go into it, the first thing you should do when unemployed is apply for unemployment benefits, if you’re eligible. Any income is a step in the right direction when you have bills you need to pay. Look up your state’s unemployment requirements to see if you’re eligible and how much you can get.

After that, you need to make sure your budget is in order and you're still handling your student loan debt.

Here's our advice that will hopefully get you on the right path so you can focus on your job search.

How To Handle Deflation: Best Investments For Deflationary Periods Apr 18, 2024

In its nearly 250-year history, the U.S. has experienced more periods of inflation than deflation. The last big period of deflation occurred during The Great Depression.

There was another smaller period during the Great Financial Crisis. Both coincided with a recession. During a recession and deflation, people lose their jobs, demand drops, and with it, prices.

But for those who are able to hang on to their jobs and have investments, what should they look at for some of the best investments during a deflationary period? In this article, we'll explain how deflation works and offer a few strategies for defending against it.

What Is An Escrow Or Impound Account And How To Cancel It? Apr 17, 2024

Around 80% of mortgage borrowers in the United States have an escrow or impound account. In fact, these accounts are required by some lenders.

These accounts hold money on behalf of the buyer to ensure certain payments are made on time - typically homeowners insurance and property taxes. This can help reduce liability and risk lenders take on, giving buyers access to better financing options.

What is an escrow or impound account? Is it required? More importantly, how do you cancel an escrow or impound account if you don’t actually need it? This article will dive into all of those questions to help you figure out whether or not an escrow account is a good move for you.

Is A 401k A Scam? Apr 10, 2024

When you think of financial scams, you may think of Bernie Madoff and Nigerian Princes. But if you listen to enough “financial experts” on YouTube and TikTok, you may hear that the humble 401(k) is a scam.

A 401(k) is a tax-advantaged retirement investment account offered by many employers. It's an account so basic that it may be a victim of its own success. Has the 401(k) scammed aspiring retirees out of their hard-earned money? We don’t think so, but we will explain why the account is being so harshly maligned.

How To Transfer Colleges (And Should You) Apr 08, 2024

Choosing the right school for you can be difficult. Not only does the decision come while you’re still fairly young, but it can also be heavily influenced by external factors that end up not aligning with what you want. Take it from someone who’s been there.

In fact, about one-third of college students transfer schools at some point before finishing their degree. And total transfers represented over 13% of all continuing and returning undergraduates last year.

This article walks through the top reasons students choose to transfer, how to identify when the time is right, and what to do to set yourself up for success at a new school.

8 Last-Minute Tax Reminders For 2024 Apr 01, 2024

The tax deadline is almost here! Here are some last minute tax reminders if you're still working on filing your taxes.

Although it might not be the most enjoyable financial task, it's a necessary obligation that we each undertake every year. And if you use great tax software, filing taxes doesn’t take as much time as you may dread.

But tax filing time isn’t only about filing returns. There are things you can do today to help you save money on your tax bill, and help you save time on filing.

Here are the best last-minute tax tips to consider this season.

College Scholarship Gotchas: How To Avoid Mistakes When You Apply Mar 25, 2024

There are many benefits to receiving one or more private scholarships. It eases the financial burden of getting a college degree and minimizes the need for student loans. And it allows you to focus on your studies while at school.

But scholarship applicants can face several potential pitfalls along the way. The odds of winning scholarships are often low, and you must be mindful of scholarship scams, displacement, and scholarship taxes.

By learning how to anticipate and respond to these scholarship gotchas, you can increase your chances of scholarship success. This article guides you through the many considerations you need to make before applying for scholarships, so you can feel more confident throughout the process.

Can You Use A 529 Plan For SAT Prep? Mar 22, 2024

The short answer is no, you cannot use a 529 plan to pay for SAT prep.

However, all is not lost. While SAT prep courses can be expensive, they don't have to be. There are affordable options to help you prepare for the SAT. Here's what you need to know

How Much Does SAT Prep Cost On Average? Mar 20, 2024

The goal of test prep is to learn tips and tricks that help maximize your time and performance on a college admissions test. Students are taught best practices for creating a study schedule, pacing themselves during the test, and using process of elimination to narrow down the answers. While not required, test prep can certainly help put you at ease on test day – and it is commonly correlated with higher test scores.

SAT test prep could be free through online quizzes and books from the library to thousands of dollars for one-on-one tutoring.

DIY MBA: How To Learn Business On Your Own Mar 18, 2024

Getting an MBA, especially at a top school, can come with an expensive price tag. After investing in an expensive degree you might not get the high-paying job you hoped for – or you might decide management isn’t for you and you want to pursue a completely different career entirely.

If you’re eager to learn the material covered in an MBA program without the burden of paying for one, you can create a DIY MBA curriculum. While this approach isn’t foolproof, it allows you to create a customized curriculum tailored to what you want to study while helping you learn the skills you’ll need to advance in your career.

Top 10 Threats To Your Investment Portfolio Mar 11, 2024

Threats to your investment portfolio can come from anywhere, including politics, the economy, and even your own mind. Understanding the threats to your investments is the first step to combating them.

Birch Gold, a company that helps investors buy and sell gold, polled its investors about their thoughts on the greatest threats to their well-being.

We combined some of the Birch Gold responses with other sources to deliver these top 10 threats to your investment portfolio.

What To Do With Your Tax Refund Mar 08, 2024

If you’re one of the 80% of taxpayers who will be receiving a tax refund this year, here's what to do with your tax refund according to experts.

The average tax refund payment was more than $2,753, according to the IRS. That's a lot of money that you can put to good use.

While you can probably imagine plenty of places to put your prized refund check today, you might not be thrilled with the choice tomorrow.

Rather than spend all of your money frivolously, why not use it to boost your bottom line?

Invest that money in one of the ideas listed below, and you can guarantee your future self with thank you. You may even have some fun along the way.

Here are some of the best ways to put your tax refund to good use this year.

How To Create An FSA ID Mar 06, 2024

A Federal Student Aid ID (FSA ID) is a unique identifier that allows you to log in to Department of Education websites.

You need this ID to complete the FAFSA online, view your financial aid history, accept loans, and select student loan repayment plans.

The sooner you get your FSA ID setup, the easier it will be for you to manage everything related to loans and grants. Let's explore how to set up your FSA ID.

How To Use A Leap Year To Maximize Your Finances Feb 29, 2024

Leap Year's extra day can serve as a reminder to stop and evaluate. An extra day in the year represents an opportunity to earn more money, pay off debt, or think long term about your finances.

Here are a few of the best ways you can use a Leap Year to maximize your finances.

The Financial Aid Terminology Trap Feb 27, 2024

Learning financial aid is like speaking a foreign language. There is an alphabet soup of different words and acronyms. You may think you understand the babble, but it is easy to get confused. Misunderstanding the terminology can present students with a trap that may mislead them into enrolling at an unaffordable college. Learn what these words really mean and what to watch out for.

What To Do If You Can’t Afford Your Student Loan Payment Feb 23, 2024

It's one of the worst things you can face when it comes to your student loan debt - you can't afford your student loan payment. Maybe you're out of school and you get your first bill, and you have no idea how you're going to make that payment.

Or, maybe you've been on and off deferment and forbearance for years, and every time you're encouraged to start repayment, you simply don't think you can afford it.

Sadly, too many people don't take action with their student loans - even if they can't afford it. That's why over 7% of student loans are delinquent according to the Department of Education.

But simply ignoring it or going into default isn't the solution. There are better (and more affordable ways) to tackle a student loan debt payment you can't afford.

If you're not quite sure where to start or what to do, consider hiring a CFA to help you with your student loans. We recommend The Student Loan Planner to help you put together a solid financial plan for your student loan debt. Check out The Student Loan Planner here.

Let's break down the options here.

Should You Pay Someone To Do Your Taxes? Feb 21, 2024

One of the biggest questions we see every tax season: should you pay someone to do your taxes?

Getting a tax refund is a big part of that question. Most people hope for a refund and look forward to getting their direct deposits (who gets a paper check anymore)?

But doing your taxes can be hard, or so the mainstream media tells you, along with commercials and more. So, should you pay someone to do your taxes?

As with most things, the answer is: it depends.

It depends on a few factors, and we break down whether you should pay someone to do your taxes, or whether it makes more sense to do it yourself. And if you are going to pay someone, who should you be paying - does using one of those big companies like H&R Block even make sense.

Here's what you need to know.

10 Rules To Get Rich And Grow Wealth Feb 19, 2024

Over the last few years, I've really thought about what it takes to get rich and grow wealth. I've spoken with countless millionaires and I've responded to over 10,000 reader comments on The College Investor. In each instance, there are common themes that are either helping the person grow wealth, or preventing the person from getting rich.

Being rich doesn't always mean having money, but 90% of the time, it does. However, there are habits, behaviors, and "rules" that will essentially allow you to get rich and grow wealth. It's not an overnight process. There aren't any get-rich-quick schemes here.

What you're going to read below are my ten rules for getting rich and growing wealth - over time.

How To Start A Side Hustle Feb 15, 2024

Curious about how to start a side hustle? You're not alone!

“Side hustle” is defined as a secondary business or job with the potential to produce extra income. Recent data indicates approximately 39% of working adults in the U.S. currently have a side hustle, which is a sharp increase from the number of adults who held a one before 2020.

A quick internet search will display endless lists of side hustle options, but there aren’t as many resources for how to get started on a side hustle.

So, we will take you through the steps of starting a side hustle for you and helping it go live, plus all the other things to keep in mind as you venture into new territory.

Check out the full article here: https://theci.co/start-side-hustle-pod

Do You Need Life Insurance (Depending On Your Age)? Feb 13, 2024

Life insurance helps support your dependents in the event of your death. How much you need and what that will cost depends on your specific situation.

Understanding The 1098-E Student Loan Interest Tax Form Feb 09, 2024

If you made student loan payments last year, here's what you need to know about your 1098-E interest statement when you file taxes.

What's The Difference Between An IRA vs. Self-Directed IRA Feb 07, 2024

The main difference between an IRA vs. self-directed IRA are the assets you are able to invest in. You have more options with a self-directed IRA, but they are more expensive and subject to more rules.

7 Best Ways To Save Your Tax Refund Feb 01, 2024

The best ways to save your tax refund will set you up for an easier, more secure future by building your emergency fund, paying off debt, or growing your wealth.

What Is A K-1 And Why Are They So Complicated? Jan 30, 2024

Schedule K-1 forms are income tax documents associated with "pass-through" businesses. But why are K-1s so complicated? Learn more.

MBA Admissions Guide: What You Need To Know Jan 17, 2024

When you’re ready to apply you’ll need to assemble all of your application materials together, including test scores, transcripts, resume, essays, and letters of recommendation.

Free Tax Software 2024: Where To File Your Taxes For Free Jan 11, 2024

We break down the free tax software companies that actually allow free tax filing for federal and state returns in 2024.

Best Tax Software 2024 [Awards] Jan 10, 2024

We've ranked the best tax software for 2024, including best free file, best for investors, best for landlords, best for deductions, and more!

IRS Direct File Program: File For Free Directly With The IRS Jan 09, 2024

Filing taxes should be simple, and the IRS should provide a robust, free solution for filing taxes. But at this time, IRS Direct File is quite limited and unlikely to be a solution for most taxpayers.

What Is Beneficial Ownership Reporting (And How To Submit It) Jan 05, 2024

In 2024, many U.S. companies will begin filing BOI reports, under The Corporate Transparency Act. But what is Beneficial Ownership Reporting? Learn more.

What Is An After-Tax 401k (Not Roth) Jan 04, 2024

After-Tax 401k contributions can help you shelter more of your money from taxes. But what is an after-tax 401(k) and who qualifies? Learn more.

What If You Receive A 1099-K And You Didn't Operate A Business? Jan 02, 2024

1099-k forms allow businesses to report income from payment apps and online marketplaces. But what if you receive one and you don't own a business? Learn more.

What Is The MCAT And What Do The Scores Mean? Dec 29, 2023

The MCAT is an entrance exam that is required by medical schools. Consisting of four different sections, your scores on the MCAT will be a major factor in your med school application.

GMAT vs. GRE: Which Test Do you Need? Dec 28, 2023

You’ll likely need to take either the GMAT or the GRE to apply to graduate school. Here's the structure of the exams and the advantages of each.

What Is The GRE And What Do The Scores Mean? Dec 27, 2023

For general graduate school admissions, you’ll likely have to take a test called the GRE. Here's what you can expect.

What Is The GMAT And What Do The Scores Mean? Dec 26, 2023

The GMAT is a standardized exam used by many graduate schools as part of the admissions process for graduate management programs such as an MBA or a Masters in Finance.

What's New In Financial Aid For 2024 Dec 25, 2023

There are several big changes in 529s and students coming in next year. Here's what new in financial aid for 2024.

What Are "Test Optional" Colleges? Dec 19, 2023

Test optional colleges give students the choice of whether or not they want to submit their results from a standardized test like the SAT or ACT. But that doesn't mean you should skip the exams.

Earned Income Tax Credit 2023: What It Is And How To Qualify Dec 01, 2023

The Earned Income Tax Credit (EITC) is a refundable tax credit designed to help those with low to moderate incomes. Find out if you qualify!

The Odds Of Winning A Scholarship Are Increasing Nov 29, 2023

College remains an expensive proposition, but the odds of winning a scholarship are increasing. Here's what you need to know. Learn more.

Front-Loading Financial Aid: Watch Out For This Sneaky Trick Nov 21, 2023

More than 80% of US colleges practice front-loading of financial aid and grants. Find out how this bait-and-switch technique is driving up the cost of college for families.

What To Know About Sorority Rush Consultants Nov 20, 2023

Sorority rush consultants guide prospective Greek members through the recruitment process, helping them get into the house of their dreams.

Should You Ever Withdraw A College Application? Nov 15, 2023

Here's when it makes sense to withdraw a college application and it's not what you think.

How Accurate Are College Admissions Calculators? Nov 13, 2023

College admissions calculators can provide a baseline expectation for your likelihood of getting into a specific school. While not perfect, they can give insight

The Basic Tax Guide For MLPs Nov 10, 2023

MLPs (or master limited partnerships) can be lucrative investments, but they can complicate your taxes and tax return.

The Top 10 Largest U.S. Banks By Assets Nov 07, 2023

Here are the largest U.S. Banks by assets - many of the names you'll recognize but some might be new to you.

Quarter System vs. Semester System Nov 06, 2023

The semester system is the most common, but the quarter system allows students to take few classes at a time, but actually take more classes throughout the year due to fewer breaks.

Are College Admissions Counselors Worth It? Nov 01, 2023

College admissions counselors can be worth it if you understand your needs and goals. While they can’t guarantee you’ll get into your dream school, they will put together a plan that increases your chances of success.

How Colleges Admit Students Based On Major Oct 31, 2023

Some colleges offer schoolwide admission; others admit applicants based on chosen majors. Admission rates can vary dramatically from one major to the next.

Best Niche Sports For College Admissions Oct 30, 2023

Some of the best niche sports for college admissions are equestrian, fencing, and rowing. They offer good odds of making a roster and getting scholarships.

How Much Does It Cost To Join A Sorority Or Fraternity Oct 23, 2023

The cost to join a sorority or fraternity can be high. There are lots of extra costs beyond just paying dues, luckily, there are ways to help pay for it.

Why Are College Acceptance Rates Decreasing? Oct 18, 2023

Will decreasing college acceptance rates hurt your chances of getting in to your desired school, and will the trend continue? Here's what you need to know.

Should You Go Greek or Stay Geed in College? Oct 18, 2023

Joining a fraternity is a big decision. It can provide a solid network but it’s also expensive. Here’s what you to know when deciding to go greek or stay geed.

How Much Does It Cost To Rush (From Real Bama Rush Numbers) Oct 13, 2023

New Greek members at the University of Alabama, the largest U.S. Greek campus, can expect the cost to rush about $8,300 for their first year, not including tuition.

Early Action vs. Early Decision: What You Need To Know Oct 11, 2023

Early action vs. early decision, and regular decision: these are the three main options for college admissions. Here's what you need to know.

College Admission Secrets For Ambitious Parents Oct 10, 2023

Speak-writing essays, comparing exam score ranges, and using the college affordability index will improve your child’s chances of getting into an ideal college.

College Entrance Exams 101 - What To Know Oct 09, 2023

Whether you take the SAT or ACT, you’ll need to know how these college entrance exams are structured, the subject matter they include, and what kinds of scores are competitive.

How You Physically Handle Your Money Reflects Your Money Mindset Oct 04, 2023

How people physically handle their cash, whether organized or disorganized, directly reflects their money mindset.

Can You Accept More Than One College Admissions Offer? Sep 27, 2023

You should not accept more than one college admissions offer. Doing so can have long-term impacts on you, the colleges, and other students.

How Do You Defer Enrollment In College? Sep 21, 2023

To defer enrollment in college after you've been accepted, you can work with your college’s admissions office to complete its formal deferment process.

Can You Change Your College Decision After Acceptance? Sep 20, 2023

If you wish to change your college decision after you've been accepted to college you can, but be sure to follow the correct procedures.

Graduate School Student Loan Forgiveness Programs Sep 20, 2023

Many grad students leave school with huge amounts of student loan debt, but there is hope, in the form of graduate school student loan forgiveness programs.

How 529 Plans Work (In Simple Terms) Sep 18, 2023

A 529 plan is an education savings account with federal tax benefits. The plans can be complicated, so we've broken down how 529 plans work into simple terms.

10 Best Business Checking Accounts in August 2023 Aug 28, 2023

We break down the best business checking accounts for August 2023. Learn more here.

How To Choose A Business Bank Account Aug 24, 2023

Wondering how to choose a business bank account? All bank accounts are slightly different, so there are several factors you need to consider. Learn more.

What Is The Private College 529 Plan? Aug 21, 2023

The Private College 529 Plan lets you lock in current tuition rates for the future. But which schools recognize the plan and is it worth the cost? Learn more.

How To Prepare And Make Dorm Room Move-In Easy Aug 18, 2023

For many college students, dorm room move-in day is fast approaching. Our tips show you how to prepare and make dorm room move-in easy. Learn more.

The End Of The Student Loan Double-Consolidation Loophole Aug 14, 2023

The student loan double-consolidation loophole can make Parent PLUS loans eligible for all income-driven repayment plans, but it's ending in 2025. Learn more.

Is There Such A Thing As A Guaranteed Return On Investment? Aug 07, 2023

A guaranteed return on investment is a fixed rate of return you can count on. But there are downsides to chasing investment guarantees. Find out more.

What Is A Liberal Arts College? Jul 31, 2023

A liberal arts college emphasizes undergraduate studies in the liberal arts. But with expensive tuition, is a liberal arts degree worth the cost?

Should Parents Give A Child A Credit Card For College? Jul 28, 2023

We dive into whether parents should give their child a credit card to use for when they go off to college.

Important Dates For Student Loan Repayment Restart Jul 26, 2023

Federal student loan repayment, paused for almost four years, is about to restart. Here are the important dates you need to know.

How Do Student Loans Impact Your Credit Score? Jul 26, 2023

Student loans can weight heavily on your finances after you graduate. Find out how student loans impact your credit score, both negatively and positively.

How To Make Friends In College Jul 24, 2023

The friends you make in college can be as valuable as the degree you earn, but meeting new people is hard. Follow these tips on how to make friends in college.

10 Money Mindset Quotes To Inspire Real Wealth Jul 21, 2023

Here are ten money mindset quotes that can help you frame budgeting, building wealth, and more.

How College Refunds Work Plus The Benefits Of Tuition Insurance Jul 19, 2023

College is more expensive than ever, but if you need to withdraw from school early, tuition refunds are not guaranteed. Find out how college refunds work.

How To Convert Hourly Wage To Annual Salary Jul 17, 2023

If you are paid hourly, how does it translate to an annual salary? The math is easier than you think. Here's how to convert hourly wage to annual salary.

The Essential Estate Planning Documents: What You Need and Why Jul 14, 2023

You may know that you need a will. But what other documents will be helpful for your estate planning needs? Take a look at this list!

What Is The SAVE Repayment Plan? Jul 11, 2023

The SAVE repayment plan is a new, updated version of the REPAYE income-driven repayment plan. How will it impact you? Learn more.

The 5 Biggest Risks Of College Jun 21, 2023

As you prepare for college, have you considered that there may be risks in attending? Here are five of the biggest risks of college. Find out more.

Investing for Dividends – How Does It Work And Where To Start Jun 19, 2023

Investing for dividends is a key way to grow your portfolio and your wealth over time because dividends compound and grow over time.

Can I Get A Loan If I’m Unemployed? Jun 12, 2023

It's difficult to get a loan when you're unemployed. Find out what factors lenders consider, and how to manage your existing credit when you've lost your job.

Should You Use Your 401k For Student Loan Repayment? Jun 02, 2023

Many college graduates have considered using their 401(k) to pay off their student loan debt. But is it a good idea? Learn more.

Subsidized vs. Unsubsidized Student Loans May 19, 2023

Considering taking out subsidized or unsubsidized student loans? Read this first and know the difference when it comes to Federal Direct loans.

Which Debt To Pay Off First? [Order Of Operations] May 10, 2023

This step-by-step guide helps you prioritize which debts to pay first, how to keep going, and ways to better pay off loans and credit cards.

Non-Profit Student Loan Forgiveness May 08, 2023

If you work for a 501(c)(3) or other nonprofit organization, you may be able to get nonprofit student loan forgiveness or other help.

What's The Difference Between Prepaid Tuition And 529 Plans? Apr 27, 2023

Prepaid tuition plans are benefit plans, while 529 plans act like contribution plans. Find out which one might be best for your needs.

How To Save For College For Multiple Children Apr 25, 2023

Feeling the pinch when it comes to saving for college? If so here are practical tips on how to save for college for multiple children.

What Information Do Banks And Credit Unions Share About You? Apr 24, 2023

We explain what banks are required to report to the government about your information and when bank reporting falls into a gray zone.

5 Money Tips For High School Grads Apr 21, 2023

Here are our favorite money tips for the above average high school graduate - the person that wants to be in the 1% as fast as possible.

How Private Student Loans Work [What To Know] Apr 19, 2023

Considering a private loan? Before you sign, here's everything you need to know about how private student loans for college work.

What Is Satisfactory Academic Progress Apr 18, 2023

Satisfactory Academic Progress is a measure of making sufficient progress towards a degree and matters for financial aid. Learn more.

Best Student Loan Alternatives Apr 17, 2023

Paying for college with loans may seem like the only answer but there are plenty of alternatives. These are the best places to start.

How To File A Tax Extension Apr 05, 2023

If your plan to file on time has been sidetracked by unforeseen circumstances, you can request a six-month filing extension from the IRS.

Best Ways To Start A College Fund Mar 29, 2023

Worried about your child's college savings? Discover the top strategies to start saving for college, including 529 plans.

Compound Interest Accounts: Fact Or Cap? Mar 20, 2023

“Fact or cap” is another way of saying fact or fiction and is a phrase used on TikTok. Here are three caps of compound interest accounts.

UTMA and UGMA Accounts: Pros, Cons, Rules Mar 17, 2023

Uniform Gift to Minors Act (UGMA) Accounts and Uniform Transfers to Minors Act (UTMA) Accounts provide an investment account for children.

What Is Dual Enrollment In College And High School? Mar 14, 2023

If the thought of saving time and money by taking college-level classes while in high school, dual enrollment might be for you.

How To Pay For College With A 529 Plan Mar 13, 2023

Taking money out of a 529 plan is more complicated than putting money into a 529 plan. Here's how to take money out without getting penalized.

Ready. Set. File! State Stimulus Checks Aren't Taxable Mar 10, 2023

The IRS announced that state stimulus checks for Covid-19 aren't going to be considered taxable income federally.

How to Set Up an IRS Payment Plan If You Can’t Pay Your Taxes Mar 09, 2023

If you want to pay your entire tax bill at once but don't have the money, what do you do? This article explains some of your options!

How To Read Your Financial Aid Award Feb 28, 2023

Are you confused and frustrated by your financial aid award? Learn the terminology and understand how financial aid awards work to find peace of mind.

Types of Education Savings Accounts and Which Account is Best Feb 24, 2023

Learn the three types of education savings accounts: Coverdell Education Savings Account, 529 College Savings Plan, and UGMA accounts.

How To Find and Vet A Financial Advisor Feb 23, 2023

A look at how to find a financial advisor for millennials or a financial planner and what questions to ask to find the right fit.

Do I Have To File Taxes In Multiple States? Feb 22, 2023

If you earn income in multiple states, do you have to file taxes in multiple states as well? The answer isn't easy, but here's a guide.

Best Crypto And NFT Tax Software For 2023 Feb 20, 2023

Crypto and NFT tax software can calculate the taxes you owe on your various blockchain transactions. These are our top picks for 2023.

What You Need To Know About New REPAYE Feb 09, 2023

The Department of Education announced a new, more generous income-driven repayment plan. Here's what to know about New REPAYE.

Stocks vs. Bonds: What’s The Difference? Jan 30, 2023

Whether you favor the growth potential of stocks or the steadiness of bonds, both could have a place in your portfolio. Find out more.

6 Weird But Successful Stock Market Indicators Jan 27, 2023

Here is a look at some of the weird and odd stock market indicators that traders use to predict the movement of the stock market.

Tax Credit vs. Tax Deduction: Which Is Better? Jan 26, 2023

We break down a tax credit vs. deduction and show you which one is better and which one saves you more money on taxes.

Is College Worth It? How To Calculate Your ROI Jan 23, 2023

The question of whether college is worth it continues to come up as tuition costs rise nationwide, so here's how to calculate your ROI.

TaxSlayer Alternatives: Which One Is Right for You? Jan 20, 2023

TaxSlayer has been growing a loyal following over the last several years, due to excellent prices and huge improvements to their software. But what are the alternatives?

TaxAct Alternatives: 5 Other Popular Choices Jan 19, 2023

TaxAct is a popular tax software choice, but it has increased prices significantly over the last few years. As a result, users may want to explore the alternatives.

Best Free Tax Software In 2023 Jan 18, 2023

A lot of tax software companies advertise "free", but who really offers free tax filing? We break it down today!

H&R Block Alternatives: 5 Other Savvy Options Jan 17, 2023

H&R Block is an extremely popular tax software for many individuals, but not the best for everyone. Here's our best H&R Block alternatives.

Best Tax Software For 2023 (Awards Show) Jan 16, 2023

We break down the best tax software for 2023 based on your tax situation - from stock market investor, to landlord, to free options!

How Student Loans Work: Applying, Borrowing, and Paying Back Jan 11, 2023

Wondering how student loans work? Learn how to apply for them, how much money you should borrow, and the details of paying them back.

8 Fees You Should Never Pay For Jan 09, 2023

When it comes to your money, there are easy ways to avoid pay for unnecessary fees. Here are eight that you should never have to pay for.

Top 10 Investment Companies By Assets Jan 06, 2023

Before you open a brokerage account, it’s worth looking at the biggest companies and identifying what makes these companies unique.

TurboTax Alternatives: 5 Other Popular Options Jan 05, 2023

With many great tax software programs available, there are several alternatives to TurboTax if you aren't satisfied with them. Here's five.

The Best Legal Ways To Increase Your Tax Refund Jan 02, 2023

There are several legal ways to increase your tax refund - and they all involve making sure that you do all the right things.

How You Can Transfer Student Loans To Another Lender Dec 23, 2022

Are you having trouble with your current student loan lender? You can transfer student loans and be happier using one of these methods.

Best Early Tax Refund Anticipation Loans Dec 22, 2022

Wondering who still offers early tax refund anticipation loans? Find out the most popular providers of tax refund loans and where to get one.

Why Your Tax Refund Is Going To be Smaller In 2023 Dec 21, 2022

There's a strong chance your tax refund is going to be much smaller in 2023 due to the ending of many Covid-era tax credits.

What's New With Student Loans In 2023? Dec 20, 2022

President Biden's student loan forgiveness plan is on hold due to lawsuits, but there are new student loan options to look out for in 2023.

5 Facts About Student Loans You Probably Didn't Know Dec 12, 2022

Here are five facts about student loans that you didn't know, including student loan refinancing options, cosigners, and collateral.

What Are I-Bonds? Dec 07, 2022

You may have heard experts touting I bonds as the latest hot investment vehicle. Make sure you understand its risks and rewards.

What Is Passive Income? Dec 06, 2022

Passive income is unearned income. Basically, you have income you work for at a job, and income that you don’t work for—passive income.

Best Tax Software For Early Filers In December 2022 Dec 02, 2022

If you're one of the early filers, which tax software is best for you? These are for people filing taxes in December or January.

3 Things Your Tax Preparer Won’t Tell You [And Why It Matters] Nov 28, 2022

Here are three things your tax preparer won't tell you that you need to ask about, including experience and how they get paid.

How To Pay For College As A Part-Time Student Nov 23, 2022

If you’re a part-time student there are ways to potentially get a scholarship, grant, and work study programs to pay for the cost of school.

Will The Student Loan Pause And Interest Waiver Be Extended Again? Nov 21, 2022

A look at the factors that make it likely that the student loan pause and interest waiver will be extended again.

Understanding EV Tax Credits Nov 16, 2022

In the market for an electric vehicle? Congress made major changes to tax credits. Here's what you need to know before you buy.

When To Expect My Tax Refund For 2023 Nov 09, 2022

A schedule that shows you when you can expect your tax refund in 2023. Also, how to check the status of your refund online.

Understanding Infinite Banking: Does It Make Sense For You? Nov 04, 2022

We take a quick look at infinite banking, and walk through what it entails and if it makes sense for you based on your financial situation. Hint: it probably doens't.

75% Of Students Would Still Choose To Work Even If They Didn’t Have To Oct 26, 2022

A new College Investor survey revealed that 75% of students would still work, even if their school and living expenses were paid for.

Using A 529 For Yourself: Uses And Benefits Oct 24, 2022

Did you know that you can start and use a 529 plan for yourself? It's possible! And here's why you might want to do it!

Can You Save Your Way To $1,000,000? Oct 19, 2022

Becoming a millionaire requires a plan, wise investments, and if you're lucky, starting at a young age. But can you do it with savings alone?

Average Student Loan Debt By State In 2022 Oct 17, 2022

We break down the average student loan debt for each state. Find out what student debt loads look like for your state and see how you compare.

What Happens To your Student Loans When You Die Oct 14, 2022

Some Federal student loans die with you, but private and Parent PLUS Loans have important consequences borrowers need to consider.

HSA Rollovers | How To Do It And What To Know Oct 12, 2022

HSA Rollovers can be helpful to move an old HSA account to a new provider, but there are rules you need to follow!

What Is A Credit Builder Loan And How Does It Work? Oct 11, 2022

If you can’t open a credit card or get a loan, a credit builder loan may be a useful tool for you. Here’s what you need to know.

What Really Happens When You Move Up a Tax Bracket? Oct 05, 2022

What are tax brackets? What happens when you make more money and you move up in the tax brackets? Here are some great examples!

The Trouble With Target Date Funds And How To Use Them Effectively Oct 03, 2022

There are several risks that investors in Target Date Funds should be aware of when investing, and our tips for using them in your portfolio.

The Most Common Multiple Income Streams Sep 30, 2022

The most common multiple income streams include salary, side hustle, investments, hobbies, rental property, and more, and all will build real wealth over time.

15 Ways To Make Money Online Sep 26, 2022

Yes, you can make money online! Here are the best online business ideas to help you make money right from your own home — or anywhere else!

Understanding Borrower Defense To Repayment For Student Loans Sep 23, 2022

Borrower defense to repayment involves proving that the university deceived the student in a way that involved them taking out student loans.

How To Become A Millionaire By 25 Sep 19, 2022

Some of the most famous names in technology became millionaires by 25. But is it possible for the "normal" person?

The Cheapest Health Insurance for College Students Sep 16, 2022

The Cheapest Health Insurance for College Students

Parents Worry About Impact Of Inflation On College Savings Sep 14, 2022

A survey of parents finds they are increasingly concerned about the impact of inflation and stock market volatility on their college savings.

What Is Considered Employment Income? Sep 09, 2022

Employment income is money earned from a W-2 job or freelance work. Unearned income may come from a pension or alimony. Here's what to know.

How To Make Quarterly Estimated Tax Payments Sep 07, 2022

Are you self-employed? Then this guide to filing estimated taxes is for you! Find out what you need to do, and when.

What Are Penny Stocks and Should You Invest? Sep 05, 2022

Penny stocks are low-dollar amount stocks that are popular picks among certain traders. But they are risky! So should you invest?

What Is A Title Loan? Sep 02, 2022

Title loans are high-interest loans that give you one month to repay the loan. Here’s what to know if considering this risky route for cash.

How To Buy An Investment Property Long Distance Sep 01, 2022

You don't need to just invest in real estate in your local market - it's possible to buy a rental property long distance. Here's what you should know!

How To Invest In Ripple XRP Aug 30, 2022

Ripple is currently the sixth most popular cryptocurrency by market-cap. But beyond the financials, the story of Ripple and XRP is a soap opera for both investors and tech connoisseurs. Here's what to know and how to invest.

President Biden’s Student Loan Forgiveness Plan Aug 29, 2022

President Biden's student loan forgiveness plan includes $10,000 or $20,000 in student loan forgiveness. Here's what to know.

Best Banks For Students In 2022 Aug 29, 2022

The best banks for students make it easy to avoid fees, manage your budget, and don’t come with a lot of fees. Here's what you need to know.

Expense Ratio: Why It Matters In Investing Aug 26, 2022

It's critical to understand what an expense ratio is and how much you're paying for your investments. Here’s what you need to know.

How To Invest In The S&P 500 Aug 24, 2022

Many investors own S&P 500 index funds because they tend to be low-cost and representative of a large segment of the stock market. Find out how to...

Best Ways For Teens To Make Money Aug 22, 2022

It's never too early to start learning valuable financial habits through earning income. Here are the best ways for teens to make money.

FIRE for Non Frugal People Aug 17, 2022

Financial Independence/Retire Early (FIRE) isn't just for people who want to live a frugal life. It's also for those looking for a more expensive lifestyle.

5 Quick Money Making Ideas (That Take Less Than 1 Hour) Aug 15, 2022

Looking to make money fast? These five quick money making ideas are relatively easy to do and you can do in an hour or less very easily.

Chadwick Boseman Died Without A Will: Why You Need An Estate Plan Now Aug 10, 2022

"Black Panther" star Chadwick Boseman did not plan a will or trust before his death. Here's why you need to plan your estate before you die.

Gen Z Age Range And What Does It Mean Financially? Aug 08, 2022

Here is the Gen Z age range and how it stacks up against Millennials and other generations. Find out if there are truths to the stereotypes.

5 Benefits of Investing Aug 05, 2022

Building wealth and retirement are just two of the benefits of investing. Check out the other benefits of investing here.

University Loans | Private Loans Offered By Colleges Aug 03, 2022

A university loan differs from other student loans, such as other private or federal. Learn more about them and whether it makes sense to apply.

The Ultimate Guide To Public Service Loan Forgiveness (PSLF) Aug 01, 2022

Are you curious about Public Service Loan Forgiveness (PSLF)? It can be confusing to navigate - so we break down exactly what you need to know!

What Is A SEP IRA And What Are The Contribution Limits? Jul 27, 2022

A SEP IRA helps business owners save more for retirement by offering generous contribution limits and tax advantages.

19 Ways To Invest In Real Estate Jul 25, 2022

Curious about investing in real estate? It's not just about owning houses or apartments. Here's all the ways that you can get started investing in real estate.

How Do Life Insurance Payouts Work Jul 22, 2022

Understanding how life insurance payouts work before a loved one dies can provide a bit of comfort and lessen stress during this time.

Pros And Cons of ESG Investing Jul 15, 2022

ESG investing focuses on companies with positive environmental, social, and governance actions. Here are the pros and cons of this strategy.

4 Main Buckets Of Assets And How To Think About Your Money Jul 13, 2022

Asset allocation is more than just stocks and bonds, you need to think about the bigger buckets of assets in your portfolio.

Term vs. Whole Life Insurance: Which Is Better? Jul 08, 2022

A look at why term life insurance is better than whole life insurance, especially over time, and why millennials should only consider term.

President Biden Has Forgiven The Most Student Loans To-Date Jul 06, 2022

President Biden has forgiven more student loan debt than any previous president in history, and is still working to forgive more loans.

Taxes And Your Investments: What Are You Responsible For? Jul 04, 2022

Do you know how much you need to pay in taxes, based on your investments? Use this guide to help figure out how much you owe.

Student Loan Forgiveness Will Benefit Some But Leaves Others Hesitant Jun 30, 2022

Student loan forgiveness is a divisive topic, and we explore several stories of who it will benefit and who is on the fence about it.

Why Are Student Loan Interest Rates Rising? Jun 29, 2022

Student loan interest rates are rising again on new federal loans after temporarily being set to zero during the pandemic.

How To Switch Or Move Banks [Step-By-Step] Jun 27, 2022

Switching banks can be a challenge, but if you're paying fees, it can be worth it. Here's how to switch banks step-by-step.

What Is A Reverse Mortgage And How Does It Work? Jun 22, 2022

A reverse mortgage is a HELOC alternative that is targeted towards 62 and older homeowners who often have completely paid off their mortgage.

How To Invest In Startups Jun 20, 2022

Startup investing comes with unique risks and low liquidity. Here's what you need to know if you’re curious about investing in a startup.

What Is Halal Investing? Jun 17, 2022

If you’re familiar with the Islamic faith, consider halal investing. Here's how to build a portfolio that is aligned with your beliefs.

Can You Get Financial Aid For Online Courses? Jun 15, 2022

Online schools and courses can be expensive, so it's helpful to find an online school that accepts financial aid. Here's how to find them.

How to Research Stocks If You're A Beginner Investor Jun 14, 2022

Investing in stocks can be overwhelming, so make sure you research and learn the basics. Here's what you need to know.

How To Invest In Sports And Trading Cards Jun 13, 2022

Learn when it can make sense to allocate a portion of your investment portfolio to sports and trading cards.

How To Get Student Loans For Community College Jun 10, 2022

Community college isn't as expensive as a university, but isn't completely free. Here are student loan options for community college.

When It Makes Sense To NOT Pay Off Your Student Loans Jun 06, 2022

If you're on the fence about paying off your student loans quickly, here are reasons you may want to wait before repaying them.

Student Loans And Identity Theft: What To Do If Someone Took Out Loans In Your Name Jun 03, 2022

If you find out someone took out student loans in your name, here's how to deal with student loans and identity theft.

Delayed-Onset Investment Glide Paths In College Savings And Retirement Plans May 30, 2022

Improve your investment risk with a dynamic strategy that adjusts the asset allocation over time. Here's what you need to know.

Most Generous Scholarships For Math and Science Students May 25, 2022

If you're a student studying math, science, and engineering, these are the best scholarships to help cover the cost of college.

What To Know About The New IDR Waiver May 24, 2022

The Department of Education has announced several IDR waivers that impact income-driven repayment plans and loan forgiveness.

Conflicts of Interest in 529 Plans Highlight Need For Oversight May 18, 2022

Recently, researchers have identified problems in how some states manage their 529 college savings plans. Here's what you need to know.

What Is Forbearance Steering And How To Get Help With The IDR Waiver May 12, 2022

The Department of Education recently cracked down on forbearance steering and is offering more loan forgiveness with the IDR Waiver.

How To Pay For College Housing On and Off Campus May 09, 2022

The cost of college housing makes a huge difference in the total price of what you owe for school. Here's how to save on student housing.

What To Do After You File Your Taxes? May 02, 2022

After you file your taxes, you need to make sure you store a copy of your tax return and make adjustments for next year.

Dividend Reinvestment - The Key To Long Term Growth Apr 27, 2022

Reinvesting dividends is one of the most important aspects of long-term growth of stock market returns. Here's what it is and why it's important.

How To Handle Basic Living Expenses During Student Loan Repayment Apr 25, 2022

It can be tough to balance paying your living expenses during student loan repayment, but here are some budgeting tactics to help.

How To Cash Out Your Crypto Or Bitcoin Apr 21, 2022

If you own cryptocurrencies like Bitcoin or Ethereum, you may wonder how you can cash out your crypto and get US Dollars back?

How To Balance Student Loan Repayment And Investing Apr 15, 2022

If you have student loans, it can feel tough to invest - but time is money and you need to balance student loan repayment and investing.

When Dollar Cost Averaging Works And When It Doesn’t Apr 04, 2022

We break down when dollar cost averaging is a good investment strategy, and when you should consider lump sum investing.

Should You Buy Life Insurance With Student Loan Debt? Mar 31, 2022

If you’re between the ages of 20 to 29, should you buy life insurance? What if you have student loan debt? There are advantages to buying life insurance in your 20s, especially if you have student loan debt that isn’t easily forgiven.

How To File An Amended Tax Return Mar 30, 2022

If you made a mistake or missed something on your taxes, you can file an amended tax return and correct the error to claim your refund.

How To Bypass The $2,000 Coverdell Contribution Limit Mar 29, 2022

Coverdell education savings accounts have a $2,000 annual contribution limit per beneficiary, but there are ways to get around this limit.

8 Last-Minute Tax Reminders For 2022 Mar 28, 2022

If you're still waiting to file your taxes, here's eight tips to know so that you don't make a mistake before the tax deadline.

So You Want To Become A Bitcoin Millionaire? Mar 25, 2022

By now, you've probably heard plenty of stories of Bitcoin (or crypto) millionaires. Here's how they did it and if it's still possible today.

How To Implement Broad Student Loan Forgiveness Mar 23, 2022

There may be a way for the Secretary of Education to implement broad student loan forgiveness through a regulatory change to ICR.

How To Move Out Of Your Parents House (Emotionally and Financially) Mar 23, 2022

If you haven't already moved out of your parent's place, here's the low-down on what you need to know to launch both emotionally and financially!

What Happens If I Don't Pay My Student Loans? Mar 18, 2022

You might think "if I don't pay my student loans" everything will be okay - but the consequences of not paying your debt can be harsh.

Should You Have Paid Down Your Student Loans During The Payment Pause? Mar 15, 2022

We break down whether it made more sense to pay extra towards your student loans during the payment pause, or should you have invested?

The Best Tax Breaks For Side Hustlers This Year Mar 09, 2022

We look at the 8 best tax breaks and tax tips for side hustlers and small business owners this year to save money on taxes.

How To Use A 529 Plan For Student Loan Repayment Mar 07, 2022

You can use a 529 plan to repay up to $10,000 in student loans - but there are some caveats you need to know.

What You Should Know About Tuition-Free Colleges Mar 01, 2022

Tuition-free college is a strong draw for students, but there are many caveats that may cause them to fall short for low-income students.

How To Find The Best Tax Software For Students And Recent Grads Feb 23, 2022

We break down the best tax software for students and how students can take advantage of free tax filing even with student loan interest.

Budget Before You Borrow | Make Sure You Know Your College Costs Feb 21, 2022

When creating a budget for college, make sure you are considering these costs before you borrow and during student loan repayment.

Will The Student Loan Payment Pause Be Extended Again? Feb 18, 2022

The current student loan payment pause is set to expire on May 1, 2022, but will President Biden extend it again?

How To Use Your Tax Refund To Build Your Credit Feb 16, 2022

You can use your tax refund to build your credit and improve your credit score with these simple tips and tricks.

How Much Student Loan Debt Do Members Of Congress Have? Feb 15, 2022

Since Congress makes student loan policies, like loan forgiveness, we wanted to explore how much student loan debt Congress has.

Donor-Advised Funds (DAF) | Pros, Cons, And Strategies Feb 09, 2022

A donor-advised fund (DAF) is a tax-advantaged investment account where 100% of the funds are required to go to charitable organizations.

Statue Of Limitations Laws For Student Loans Feb 07, 2022

We break down the statute of limitations laws for student loans to help you determine when old student debt is legally enforceable.

9 Best Bond Alternatives: Where Else To Invest For Safety And Income Feb 04, 2022

With bond yields currently being outpaced by inflation, where can income investors turn? Here are nine bond alternatives to consider.

What Student Loan Borrowers Need To Know About Filing Taxes In 2022 Feb 02, 2022

If you paid towards existing student loans last year or took out new ones, here are our top five tips for filing taxes with student loans.

What's The Right Life Insurance Coverage Amount And Term Length? Jan 31, 2022

Trying to nail down the right life insurance coverage amount and term length for your situation? Here are a few key factors to keep in mind.

How Taxes On NFTs Work (And How To Track It) Jan 28, 2022

Here's what NFT creators and investors need to understand about how NFT taxes work and how they can avoid overpaying at tax time.

What Is Expanded Income-Contingent Repayment (EICR) Jan 27, 2022

The Education Department has proposed a new repayment plan: Expanded Income-Contingent Repayment (EICR). Here's what we know about it so far.

2 Tax Changes Crypto Investors Need To Understand Jan 26, 2022

A brief summary of this episode

6 Ways To Get A Financial Fresh Start In 2022 Jan 24, 2022

Looking to move your finances in a positive direction this year? Here are 6 ways to get a financial fresh start in 2022.

The Standard Deduction or Itemizing Your Tax Return | Which Is Best? Jan 21, 2022

Do you want to reduce the amount of taxes you pay? Then you might want to pick the standard deduction or itemize. Learn your options!

How To Reconcile Your Advance Child Tax Credit Payments Jan 19, 2022

Here's how to reconcile your advance Child Tax Credit payments to determine if you're owed more credit or if you'll need to pay some back.

3 Tax Changes Affecting Parents This Year Jan 18, 2022

This tax season parents will have to deal with major expansions to the Child Tax Credit among other tax changes. Here's what to know.

Best Free Tax Software 2022 Jan 12, 2022

We break down the top online tax filing companies that actually offer free tax filing software for federal and state returns in 2022.

The Best Tax Software 2022: What’s The Best Tax Program For Me? Jan 10, 2022

We've ranked the best tax software for 2022, including best free file, best for investors, best for landlords, best for deductions, and more!

Best Crypto And NFT Tax Software Jan 10, 2022

Crypto and NFT tax software can calculate the taxes you owe on your various blockchain transactions. These are our top picks for 2022!

Where To Apply To College - Finding Academic and Financial Fit Jan 05, 2022

How to craft a college list: find financial and academic fit when you apply to college and how to decide what schools to apply to.

5 Tips To Make This The Best Financial Year Jan 04, 2022

We share 5 tips to help you make this the best financial year and achieve your New Year's money resolutions.

The Most Common College Scams [And How To Avoid Them] Jan 03, 2022

We break down the most common college scams, including student loan scams, scholarship scams, and identity theft.

Best Low-Risk Ways To Build Credit Dec 29, 2021

It can be difficult to know where to get started with improving your credit score. Here are five of the best low-risk ways to build credit!

Tax Breaks for Tuition and Student Loans Dec 22, 2021

The IRS tax code includes several tax breaks for tuition and student loans. Learn what these tax benefits are and how to maximize them.

Maximize Your Crypto Interest Earnings With Hodlnaut Dec 16, 2021

Want earn more passive income from your crypto assets? Here are five smart ways to maximize your crypto interest earnings with Hodlnaut.

What Is Order Routing For Stock And Crypto Trading Dec 15, 2021

Order routing is an important part of successful trading, especially for crypto traders. Learn how order routing works and when it matters.

Best Early Tax Filing Software (December And January Returns) Dec 13, 2021

If you're one of the early filers, which tax software is best for you? These are for people filing taxes in December or January.

How To Graduate From College With No Student Loan Debt Dec 09, 2021

Hoping to graduate from college with no student loan debt? Our analysis of the NPSAS data shows you how to increase your chances.

Can College Financial Aid Administrators Reduce Student Loan Limits? Dec 06, 2021

Financial aid administrators can reduce student loan limits in only a few situations. But new rules could expand their authority. Learn how.

How To Organize And Track Your Bills Dec 01, 2021

Looking for a better way to organize and track your bills? Here are some tips to help you avoid late fees with minimal stress and hassle.

How To Build An Effective Spending Plan Nov 29, 2021

Building an effective spending plan doesn’t need to be difficult. Check out our simple step-by-step guide to staying on top of your finances.

How To Get An FHA Mortgage with Student Loan Debt Nov 26, 2021

Do you have student loan debt and are trying to get a mortgage? Learn how to get an FHA mortgage loan and the factors involved.

Next Gen FSA: The Future Of Student Loan Servicing Nov 24, 2021

Next Gen FSA is a new centralized student loan servicing system that aims to improve the borrower experience. Learn how it will work.

Companies That Give Shareholder Perks And Rewards Nov 22, 2021

These companies give their shareholder perks, rewards, and discounts on products for simply owning stock in their company.

How Taxes Work When Investing In Farmland Nov 19, 2021

Farmland investing taxes are typically paid on rental income earned from the farm and capital gains if it's sold for a profit. Learn more.

What Are Cyclical And Consumer Discretionary Stocks? Nov 17, 2021

Cyclical and consumer discretionary stocks perform best during economic expansions and worst during recessions. Learn how to invest in them.

What Is Venture Capital? (And How To Invest) Nov 10, 2021

Venture Capital (VC) provides financing for private companies such as startups and small businesses. Learn how to invest in venture capital.

How Much Does College Really Cost? Nov 09, 2021

With a little digging and basic math, students can gain a clearer picture of the real cost of college. Here's how to calculate college costs.

10 Ways To Save On Your Taxes Before The End Of The Year Nov 08, 2021

Our list of the best ways to save on your taxes before the end of the year, without losing or wasting money.

What Is Shiba Inu And Can I Still Invest? Nov 04, 2021

Shiba Inu is a dog-themed memecoin, built on the Ethereum blockchain, that's exploded in popularity since its inception. Learn all about it.

The Most Common Tax Deductions Nov 03, 2021

A brief summary of this episode

End Of Year Financial To-Do List: 9 Top Tasks To Get Done Nov 01, 2021

Wondering which items should be added to your end of year financial to-do list? Here are nine money moves to make before the new year.

How To Get Help For Your Loans If You Were Defrauded By Your College Oct 26, 2021

Borrowers who were defrauded by their colleges may be able to get their federal student loans canceled and payments refunded. Learn how.

What Is The F.I.R.E. Movement? Oct 25, 2021

The F.I.R.E. movement encourages followers to pursue financial independence by increasing their savings. Learn the different type of F.I.R.E.

Should Student Loan Collections Be Delayed Further? Oct 20, 2021

While the payment pause is set to end on January 31, 2021, it might be prudent for student loan collections to be delayed further. Learn why.

Is Student Loan Debt Forgiveness Real? Debunking The Myth Oct 20, 2021

Student loan forgiveness is not just a myth. There are many different programs to consider and you can learn about your options here.

FAFSA Treatment of Unemployment Benefits In 2021 And Beyond Oct 19, 2021

If you filed taxes early in 2021, the FAFSA treatment of unemployment benefits may hurt your financial aid eligibility. Here's what to do.

How To Grow Your Net Worth By $5,000 Per Month Oct 18, 2021

Want to grow your net worth so you can build wealth and retire? Here are 3 real ways to grow your net worth by $5,000 each month.

Calm Down: Your Identity Has Already Been Stolen! Oct 13, 2021

With the news of the Equifax data breach, many people have been scared about their identity stolen - guess what? It already has been.

What Is The Wash Sale Rule? (And Does It Apply To Crypto?) Oct 11, 2021

The wash sale rule is meant to discourage the abuse of tax-loss harvesting benefits. Learn more about the rule and if it applies to crypto.

What PSLF Reforms Can Be Made Through Executive Action? Oct 06, 2021

The Biden Administration wants to overhaul Public Service Loan Forgiveness, but which reforms can be made through executive action?

Do You Need A "Second Look" Tax Return Review From A Tax Pro? Oct 06, 2021

A 'Second Look' tax return review is when a tax pro checks your self-prepared return. Are these reviews worth their cost? Here's our thoughts.

How Grandparents Can Save and Gift Money for a Grandchild’s College Education Oct 04, 2021

There are many ways that grandparents can help grandkids pay for college, including a few options that have tax and financial aid benefits.

Is "Automatic" Student Loan Forgiveness Legal? Oct 01, 2021

Automatic student loan forgiveness might sound great (where, you know, your loans are just wiped away by the government if you meet certain criteria) -- but is it legal? And could it come with tax consequences? We dig up the details.

When Can The U.S. Department Of Education Compromise Student Loan Debt? Sep 29, 2021

The U.S. Department of Education can compromise federal student debt in certain situations that it's deemed "uncollectable." What does that really mean?

How Does A 529 Plan Affect Your FAFSA And Financial Aid? Sep 27, 2021

Could a 529 plan have a negative affect on your FAFSA and financial aid eligibility? Here's what college savers need to know.

Stock And Options Strategies For Volatile Markets Sep 22, 2021

These stock and options strategies for volatile markets can help you maximize profits and minimize risk during large price swings.

How To Make Passive Income Through Crypto Sep 21, 2021

Interested in earning money on your cryptocurrency assets while you sleep? Here's how to make passive income through crypto!

8 Time Management Tips for Overloaded College Students Sep 17, 2021

Are you an overloaded, tired, or exhausted college student? Here are some time management tips you can use now and in your future career!

Why Does It Matter If the Fed Raises Interest Rates? Sep 15, 2021

The Federal Funds Rate has been near zero since March 2020. Learn how businesses and individuals could be impacted if the Fed raises rates.

What Are Section 7702 Plans (Are They Even Real Investments)? Sep 13, 2021

Don't be fooled! Section 7702 plans aren't retirement plans but rather a marketing label for cash value life insurance policies. Learn more.

How To Get Help From The Student Loan Ombudsman Sep 10, 2021

Learn how to get additional help from a student loan ombudsman when you aren't able to resolve your student loan disputes on your own.

11 Low-Cost Mental Health Resources for Students and Grads Sep 08, 2021

Learn about the symptoms of depression related to student loan debt and discover free and low-cost mental health resources that may help.

Celsius Launches 0% APR Crypto Loans For California Sep 07, 2021

Celsius is now offering 0% APR crypto loans for California residents (at 25% LTV) with no origination fees. Learn more!

5 Lessons On How To Be Successful in College Aug 30, 2021

We share five lessons from experts about what it takes to be successful in college, from the basics to truly knowing yourself and finding your ROI on education.

How To Watch Sports Online For Free Aug 27, 2021

Cutting the cord shouldn't keep you from being able to watch your favorite teams. Here are the best ways to watch sports online for free.

The FAFSA Asset Protection Allowance Plunges To Near-Zero Aug 26, 2021

Learn why the FAFSA asset protection allowance is dropping to record lows and how it could impact your eligibility for financial aid.

How To Overcome The Fear Of Investing In The Stock Market Aug 25, 2021

Here is an action plan and strategy set for overcoming the fear of investing in the stock market so that you don't lose money over time.

Student Loan Forgiveness for Lawyers | What Is Available? Aug 20, 2021

As a lawyer, you might have a lot of student loan debt. Is there student loan forgiveness for lawyers? Find out what is available here.

How To Pick A College Major | 3 Top Strategies Aug 18, 2021

Looking for advice on how to pick a college major? We examine three popular strategies and break down their strengths and weaknesses.

Debit Cards vs. Credit Cards: How to Choose Aug 17, 2021

A brief summary of this episode

Student Loan Entrance Counseling | Is It Worth It? Aug 16, 2021

Student loan entrance counseling is required before you can receive your first undergraduate or graduate federal student loan. Learn why.

13 Best Quicken Alternatives [Updated For 2021] Aug 13, 2021

While Quicken is a popular tool, there are so many great ways to manage your money online. Check out these best alternatives to Quicken.

What Is Title IV And How Does It Impact Financial Aid? Aug 11, 2021

Title IV status means that a school has been accredited by the Department of Education to participate in federal student aid programs.

Student Loan Forgiveness For Nurses And Healthcare Workers Aug 09, 2021

If you are a nurse who would really like those student loans gone for good here are some of your nursing student loan forgiveness options

Debt Snowball vs. Debt Avalanche: Which Is Best? Aug 06, 2021

We examine the pros and cons of the debt snowball vs. debt avalanche to help you decide which payoff method is best for you.

Options If You Don't Have Enough Financial Aid Or Student Loans To Pay For School Aug 05, 2021

Need more money to cover your higher education costs? Here are ten options to help pay for school when you don't have enough financial aid.

Student Loan Grace Period: What To Do When It Expires? Aug 02, 2021

A brief summary of this episode

How To Protect Against Predatory Lending Jul 30, 2021

We list the tell-tale signs of predatory lending and explain what steps borrowers can take to protect themselves against unfair loan terms.

What To Do When Your Student Loans Unpause After Covid-19 Deferment Jul 29, 2021

The CARES Act forbearance on federal student loans is set to expire on September 30, 2021. Here's what to do when student loans unpause.

Why Are Student Loan Servicers Dropping Out? Jul 28, 2021

Two federal loan servicers have recently announced they will not renew their contracts. Learn why student loan servicers are dropping out.

How To Use A 529 Plan For Estate Planning Jul 27, 2021

Wondering if it would be beneficial to use a 529 plan for estate planning? We explain when that strategy could make sense and how to do it.

6 Tips To Help You Pay Off Your Student Loan Debt Jul 26, 2021

Student loan debt is a serious problem in the United States. Here are six tips to help young adults and millennials pay off student loan debt.

What Should You Do With Your Old FFEL Loans? Jul 23, 2021

Borrowers with FFELP loans can federally consolidate them or refinance them with private lenders. Here are the pros and cons of both options.

Safe Deposit Box - Everything To Know Jul 21, 2021

We explore what a safe deposit box is, its pros and cons, and when it still can make sense to rent one. Here's what you need to know.

RePAYE | Understanding Revised Pay As You Earn And It's Subsidy Jul 19, 2021

We examine the pros and cons of REPAYE, including its interest subsidy, to see if it might be a good fit for your student loan situation.

What Are Options Greeks And How To Analyze Them? Jul 16, 2021

Learning what option Greeks are and how to use them can help traders maximize profit potential and reduce risk. Check out this quick primer!

Will The Student Loan Payment Pause And Interest Waiver Be Extended? Jul 14, 2021

Some student loan experts think that a fourth payment pause and interest waive extension announcement could be coming soon. Here are the reasons for and against it.

Passive vs. Active Investing: Which Is Best? Jul 14, 2021

We break down the pros and cons of passive investing vs. active investing to help you choose the best investment strategy for you.

How To Invest In Commercial Real Estate In 2021 Jul 13, 2021

Think that residential real estate is your only investing option? Think again. Here's how to invest in commercial real estate in 2021.

How To Avoid The Biggest PSLF Errors That Cause Forgiveness Denial Jul 12, 2021

Public Service Loan Forgiveness can be a valuable program, but you'll want to avoid the PSLF errors that often trip borrowers up. Here's how!

The 5 Easiest Money-Saving Phone Calls Jul 07, 2021

The easiest money-saving phone calls include calling your credit card issuer, insurance provider, and cable company. See the full list!

What Is An Index Fund? (And Is It A Good Investment Choice) Jul 02, 2021

An index fund is an exchange traded fund (ETF) or mutual fund that is designed to mirror the performance of a certain stock market benchmark.

Coverdell Education Savings Plans | Is It Worth It? Jul 01, 2021

Coverdell ESAs are less popular than 529 plans but have some advantages over them when saving for K-12 expenses. Learn their pros and cons!

What Is Income-Contingent Repayment (ICR) Jun 28, 2021

Income-Contingent Repayment (ICR) is the oldest income-driven repayment plan and the only one that's available to Parent PLUS Loan borrowers.

Guide To Federal Student Loans For Expats Jun 24, 2021

There are a few obstacles and opportunities related to borrowing and repaying federal student loans for expats. Here's what you need to know.

8 Ways To Eliminate Your Student Loan Debt Jun 23, 2021

Here are eight ways that you can setup a plan that will eliminate your student loan debt with loan forgiveness, repayment plans, and more.

What Is Portfolio Rebalancing? (And How To Do It) Jun 21, 2021

Portfolio rebalancing means selling some assets and buying others in order to maintain the asset allocation that fits your risk tolerance.

Best Airline Mileage Malls 2021 | Earn Miles For Shopping Online Jun 18, 2021

Airline mileage malls reward you with airline miles for regular spending. Find the best airline mileage malls to use in this post.

How To Claim The Advance Child Tax Credit Payments Monthly In 2021 Jun 16, 2021

Learn how parents can claim advance child tax credit payments from the IRS of $250 to $300 per child starting July 15th, 2021.

Top 3 Automatic Investment Apps Of 2021 Jun 14, 2021

We break down the best automatic investment apps of 2021 that make it easy to create "set it and forget" investing portfolios at low costs.

15 Summer Money Making Ideas For College Students Jun 11, 2021

Here are 15 different summer vacation money making ideas for college students who didn't get a summer job and are still looking to earn money.

The Average Student Loan Monthly Payment For US Borrowers Jun 09, 2021

The average student loan monthly payment in the US is $393. See what the average borrower can expect to pay on each type of repayment plan.

How To Save Interest On Your Student Loans Jun 07, 2021

We break down two simple ways to save interest on your student loans without raising your monthly payment or paying extra towards principal.

Investing On Margin | How To Use Leverage And Not Get Burned Jun 04, 2021

Investing on margin is riskier than investing with cash. But these tips can help margin traders avoid blowing up their portfolios.

How To Shop For Mortgage Refinancing In 2021 May 31, 2021

Mortgage rates are still at all-time lows in 2021. Here's how to compare mortgage refinance rates and terms to find the best deal!

How To File A Complaint Against Your Bank May 24, 2021

Here’s the step-by-step process you’ll need to follow to file a complaint against your bank if you have an issue that it won't resolve.

How To Spot And Avoid A College Roommate Scam May 21, 2021

The college roommate scam is a crime where someone pretends to rent a room when they are not legally allowed to do so.

How To Become A Millionaire At Any Age May 20, 2021

We're celebrating Millionaire's Day and what better way to do that than by laying out a path on how to become a millionaire.

What Is Short Selling [And Can You Do It]? May 19, 2021

Short selling is a trading strategy that involves selling borrowed stock shares in hopes that they can be bought back later at a lower price.

Parent Loans: Options For Parents To Pay For College May 17, 2021

Here's our overview of parent loans to help pay for college. Look at your options and some alternatives to help your children with college.

IBR vs. PAYE | Understanding Income-Based Repayment Plans May 12, 2021

We provide a head-to-head comparison of IBR vs. PAYE to help you decide which of these income-driven repayment plans may be right for you.

The Beginner's Guide To Selling Put Options May 07, 2021

Selling put options is an income-collection strategy for traders who have a neutral to bullish view of a stock. Learn how to get started.

What Is A Clearinghouse? (And How Does It Work For Investment Apps) May 05, 2021

A clearinghouse matches buyers and sellers in stock market transactions. Some investment apps self-clear while others use independent firms.

Where To Find Medical Residency And Relocation Loans May 03, 2021

Medical residency and relocation loans can help cover the non-college-related costs of becoming a doctor. Here's where to find them.

10 Best Personal Finance Books of 2021 Apr 27, 2021

Here are some old and new life-changing personal finance books. If you're wanting to shift your finances to something positive, take a look.

Taxable Scholarships: Is That Money Really Free? Apr 26, 2021

Unlike other forms of generosity, scholarship funds can be taxable to recipients. Learn the rules concerning taxable scholarships.

How To Get Health Insurance When You're Self-Employed Apr 23, 2021

Looking to save money on self-employed health insurance coverage? We break down eight options worth considering in 2021.

10 Awesome Gift Ideas For High School Or College Grads Apr 21, 2021

We put together our list of the ten best gift ideas for high school or college graduates this year - so find your ideas now!

How MUCH should you have saved for retirement right now?" Apr 19, 2021

Are you on track with your retirement savings? See benchmarks for how much someone should have saved for retirement at different ages.

What To Do If You're Late Filing Taxes Apr 16, 2021

Here's what you need to do step by step if you missed the tax filing deadline and now you're late filing taxes .

5 Best Stock Tracking Apps To Keep Tabs On Your Investments Apr 09, 2021

Whether you’re a beginner or have decades of investing experience, these stock tracking apps can help you monitor your investments better.

Best Last-Minute Tax Tips For 2021 Apr 07, 2021

Here are the best last-minute tax tips to take advantage of before the 2021 tax filing deadline (which has been extended to May 17th).

Differences In 529 Plans: Why Saving For College Is So Messy In America Apr 05, 2021

Saving for college is complicated in America because there are many differences in the 529 plans that are offered by each state.

What Are NFTs And How To Invest In Them Apr 02, 2021

Non-fungible tokens (NFTs) are crypto-based digital assets that are unique and nearly impossible to copy. Learn how to invest in them.

The Average Net Worth Of Millennials By Age [Updated For 2021] Apr 01, 2021

We break down the average net worth of millennials by age, as well as stretch goals to be in the top 1% of millennial wealth.

Analyzing And Trading Options 101 Mar 31, 2021

We break down a few fundamental concepts that you should understand if you're wanting to start analyzing and trading options.

Proposal: How To Reform Student Loans And Hold Colleges Accountable Mar 30, 2021

Our proposal to reform student loans while at the same time holding colleges and universities accountable for what they charge students.

How To Calculate Your Adjusted Gross Income (AGI) Mar 29, 2021

Adjusted gross income (AGI) is your total income minus certain above-the-line deductions. Learn how to calculate your AGI and why it matters.

SPACs 101: What Is A SPAC and Should You Invest? Mar 26, 2021

SPACs are shell companies that raise capital from investors through an IPO with the intention to acquire a private company within two years. But are they worth investing in?

Tax Pro vs. DIY Online: Which Tax Prep Is Better For You? Mar 24, 2021

We compare two of the most popular tax prep strategies - tax pro vs. DIY online - to help you decide which option would fit your needs best.

Analyzing and Trading Stocks and ETFs 101 Mar 22, 2021

We break down a few basic fundamental indicators that traders should consider when analyzing and trading stocks and ETFs.

Overdraft Protection: How It Works And How To Avoid Fees Mar 19, 2021

Overdraft protection prevents bank customers from having transactions declined due to insufficient funds. Learn how to avoid overdraft fees.

How To Find A Tax Pro For Your Business Mar 17, 2021

Business owners can save time and money by working with qualified tax professionals. Here's how to find the right tax pro for your business.

When Your Side Hustle Becomes Your Main Hustle [What To Know] Mar 10, 2021

There's a lot to consider when your side hustle becomes your main hustle. Here's how to prepare yourself both financially and emotionally.

Best Apps To Send Money (Domestic And International) Mar 08, 2021

Whether you're wanting to pay someone across the table from you or across international borders, here are the best apps to send money!

Best Business Budgeting Systems And Tools Mar 03, 2021

Businesses need budgets too! We compare the features and pricing of some of our favorite business budgeting systems and tools available today.

7 Investment Ideas To Get The Most Out Of Your Tax Refund Mar 02, 2021

Here are seven investment ideas for your tax refund that can help you grow your money over time.

Is Student Loan Forgiveness By Executive Order Legal? Mar 01, 2021

Some politicians are asking President Biden to sidestep Congress and provide student loan forgiveness by executive order. But is that legal?

Growth Investing | What Is It And How To Start Feb 26, 2021

Growth investing is a strategy that prioritizes buying stocks and funds that are expected to grow faster than average. Learn how it works!

Value Investing | What Is It And How To Start Feb 24, 2021

Value investing is a type of investment strategy in which investors perform fundamental analysis to find undervalued stocks.

Virtual Tax Preparation: What To Know And Where To Go Feb 22, 2021

If you want professional tax prep but don’t want to visit an office, virtual tax preparation could be a good option. Learn how it works.

What Gig Workers And Independent Contractors Need To Know For Taxes Feb 19, 2021

As side hustling becomes a way of life for many Americans, here are 6 things gig workers and independent contractors need to know for taxes.

Going Back To School As An Adult: Is It Worth It? Feb 17, 2021

Going back to school as an adult can be a way to invest in yourself and your future. But is it worth the cost? Here's how to decide.

Agriculture Investing | The Ways To Find Returns In Farming Feb 16, 2021

There are several ways to start with agriculture investing. We break down your best options including REITs, ETFs, crowdfunding, and more.

Survey: How Much Americans Pay To File Their Taxes In 2021 Feb 15, 2021

We surveyed 1,200 Americans to get an understanding of how much they paid, on average, to file their taxes and what services they used.

Master Promissory Notes (MPN) | What To Know Before You Sign Feb 15, 2021

Master Promissory Notes (MPN) are legally-binding documents that all federal student loan borrowers must sign. Learn why they're important!

Tax-Loss Harvesting: A Step-By-Step Guide Feb 12, 2021

Tax-loss harvesting involves selling investments that are down in order to offset realized capital gains and lower your tax liability.

How To Invest In Gold | A Simple Beginner's Guide Feb 10, 2021

Investors looking to invest in gold have three choices: they can purchase the physical asset, they can purchase shares of a mutual or exchange-traded fund (ETF) that replicates the price of gold, or they can trade futures and options in the commodities market. We break down more about how to get started and what to expect.

Emergency Funds: How Much Do You Really Need? Feb 05, 2021

When it comes to emergency funds, there is so much conflicting advice. So how much do you really need for your rainy day fund?

Student Aid Index: What To Know About The Changes To Financial Aid Feb 03, 2021

The Student Aid Index (SAI) will soon replace the Expected Family Contribution (EFC) on the FAFSA. Learn how this will impact financial aid.

What Is The Fair Tax? How It Would Work And Its Pros And Cons Feb 01, 2021

The Fair Tax system would replace all the payroll and income taxes in the current tax code with one national sales tax.

Swing Trading 101 | The Pros and Cons and How To Get Started Jan 27, 2021

Swing trading is a stock trading strategy that sits between day trading and long-term investing. Learn how it works!

eSmartTax Review 2021 | High Price For Tax Software Jan 22, 2021

Our eSmartTax review shows how it delivers a decent software solution, and helpful support features. However, it’s a high price to pay for it.

Jackson Hewitt Tax Software Review 2021 Jan 22, 2021

Here's our Jackson Hewitt Tax Software review, where we found they offer a solid interface at middle-of-the-road prices.

How To Invest In Silver: A Straightforward List Of Your Best Options Jan 22, 2021

There are multiple ways to invest in silver. Silver is a store of value and is an entirely different type of investment compared to stocks (equities).

Since a stock represents the value of a company, it's value can drop all the way to zero. Silver, however, represents the value of a commodity. This means that it will always have some intrinsic value.

That may sound like a benefit (and it is). However, there are drawbacks to investing in silver such as purchase costs that are often higher than stocks and, in some cases, the hassle of trying to find a place to store your silver safely.

The good news for those who want to invest in silver is that there are ways to maximize the benefits while minimizing the downsides. In this article, we’ll look at a few different ways to invest in silver.

What To Do If My Parents Claimed Me On Their Taxes? Jan 20, 2021

A brief summary of this episode

What Is The Flat Tax? Jan 18, 2021

In a flat tax system, everyone pays the same tax rate regardless of how much they earn in annual income. Learn more!

ezTaxReturn.com Review Jan 17, 2021

ezTaxReturn is a great free tax return option for simple tax returns. See if it makes sense for your taxes.

1040.com Tax Software Review | Flat-Rate Pricing Jan 16, 2021

1040.com doesn't offer any great advantages compared to other tax filing options. It doesn't differentiate itself with any specific targets, and while it works well enough, it doesn't wow.

How To Claim A Missing Stimulus Check On Your Tax Return Jan 15, 2021

With the way things have been, accounting for your stimulus check is more important now than its ever been. Have a missing stimulus check? Here is how to claim it on your tax return!

How To Start Investing If You Make Minimum Wage Jan 14, 2021

Investing when you don't have a lot of money seems like a daunting task. Luckily we've put together a guide on how to invest on minimum wage!

TurboTax Alternatives: 3 Other Popular Options Jan 13, 2021

With many great tax software programs available, there are several alternatives to TurboTax if you aren't satisfied with them. Here's three.

Dislike H&R Block? Here Are 3 Great H&R Block Alternatives to Consider Jan 13, 2021

H&R Block is an extremely popular tax software for many individuals, but not the best for everyone. Here's our best H&R Block alternatives.

TaxSlayer Alternatives: Which One Is Right for You? Jan 13, 2021

Are you looking for some TaxSlayer alternatives? Take a look at these alternatives — some of which are almost sure to suit your needs!

TaxAct Alternatives: 3 Other Popular Choices Jan 13, 2021

If you're not satisfied with TaxAct, there are lots of other great alternative software programs to get you dialed in. Here are 3.

Why Your Tax Refund Is Going To Be Smaller This Year Jan 13, 2021

With the crazy year it's been, here's why your refund is going to be smaller this year!

Liberty Tax Online 2021 Review | Double Check Guarantee Jan 11, 2021

Liberty Tax Online offers mid-tier tax software that also allows you to get a double-check guarantee. However, there may be better options.

TaxSlayer Review 2021 | Great Tax Software At A Low Price Jan 11, 2021

TaxSlayer 2021 provides a high value of support with their premium product, but great prices for the support you get.

Biden Student Loan Forgiveness Proposals | What To Expect Jan 11, 2021

Several Biden student loan forgiveness proposals have already been announced. Learn what they are and how they could impact you!

How Taxes On Cryptocurrencies Like Bitcoin Work Jan 08, 2021

Invested in cryptocurrencies like Bitcoin recently? Here's everything you need to know about how taxes on cryptocurrencies work.

1040Now Review 2021 – Misses The Mark Again Jan 06, 2021

In our 1040Now review, we look at how this outdated online tax software misses the mark and why we don't recommend it to file taxes.

Credit Karma Tax Review 2021 | Best Free Tax Prep Software Jan 06, 2021

Credit Karma Tax is one of the few free tax software options for filers. In 2021, it's seen a ton of improvements and we think users approve.

The Best Free Tax Software 2021 [File Your Taxes For Free] Jan 06, 2021

Think you have to pay to find quality tax software? Think again! We've put together a list of some excellent free tax software options to choose from.

The Best Self-Employed Retirement Investment Plans Jan 05, 2021

The best self-employed retirement plans include the SEP-IRA, Solo 401(k), and the SIMPLE IRA. Here are some details on each!

The Best Tax Software For Your Filing Status In 2021 Jan 04, 2021

There's a lot of tax software out there to choose from. We've put together a list of the very best!

Visor Tax Prep Review 2021 | Like Uber, but for Accountants Jan 02, 2021

In this Visor tax prep app review, you'll learn about what's offered including pricing, and what it is like to navigate the software.

Picnic Tax Review | Online Tax Prep With A Real Tax Preparer or CPA Jan 02, 2021

Picnic Tax is an online tax preparation platform with transparent flat-fee pricing, where you upload your documents for a real CPA.

Budgeting Types: Budget For Your Personality Jan 01, 2021

If past budgets have failed you it's possible you're not budgeting for your personality type. Take a look at these three options to see which is the best for you.

What Is The Kiddie Tax And How Does It Work? Dec 28, 2020

Under the Kiddie Tax, dependents with unearned income ranging from $2,200 to $11,000 can be taxed at their parent’s marginal tax rate.

How Much You Need To Make To File Taxes Dec 23, 2020

A brief summary of this episode

Best Accounting Software Dec 22, 2020

A brief summary of this episode

Best Tax Software For Early Filers Dec 21, 2020

A brief summary of this episode

TurboTax, H&R Block, Tax Act Pricing Comparison Dec 21, 2020

A brief summary of this episode

73% of Americans Support Student Loan Forgiveness Dec 17, 2020

According to a recent College Investor survey, 73% of Americans support Biden's plan to forgive $10,000 in student loan debt.

Tax Offsets And Student Loans Dec 16, 2020

A brief summary of this episode

OLT.com Online Taxes Software Review 2021 Dec 15, 2020

Online Taxes (or OLT.com) is a barebones tax preparation software that has significantly improved. Should you use it this year?

Mutual Funds vs. ETFs | Understand The Difference Dec 14, 2020

A brief summary of this episode

TaxAct Review 2021 | Improvements, But Is It Worth It? Dec 13, 2020

Our TaxAct review for 2021 unveils some new improvements, but the prices still are high for the value you get compared to other programs.

FreeTaxUSA Review 2021 | Best Bargain Tax Software Dec 11, 2020

FreeTaxUSA 2021 is a great bargain tax software option for business owners, side hustlers, and small landlords that know their taxes.

TaxHawk 2021 Review | Excellent Bargain Tax Software Dec 11, 2020

TaxHawk 2021 made some great improvements to their software, and we recommend them for small business owners and side hustlers.

Early Tax Refund Anticipation Loan Dec 11, 2020

A brief summary of this episode

529 Plan Contribution Limits | What Are The Caps? Dec 09, 2020

While the IRS doesn't impose 529 plan contribution limits, states do set aggregate maximums for their 529 plans and may set annual caps too.

TurboTax 2021 Review | Easiest Tax Software To Use Dec 08, 2020

TurboTax 2021 is the easiest to use tax return software, but its pricing is one of the drawbacks. Learn more in our TurboTax Review.

Where To Buy Discount Gift Cards | Best Online Gift Card Sellers Dec 07, 2020

If you're going to buy gift cards, you might as well get them "on sale." Here are the best websites to buy discount gift cards today.

H&R Block Review 2021 | Robust Options & Free Tax Filing Dec 06, 2020

Our H&R Block review for 2020-2021 tax season shows again host H&R Block leads in the free tax space and premium online filing options.

529 Plan Rollovers And Transfers: Pros And Cons Dec 02, 2020

We break down all the benefits of 529 plan rollovers and transfers as well as a few potential downsides you'll want to watch out for.

What To Do When Your Student Loans Unpause Nov 30, 2020

The CARES Act forbearance on federal student loans is set to expire December 31, 2020. Here's what to do when student loans unpause in 2021.

HSA Rollovers | How To Do It And What To Know Nov 27, 2020

HSA Rollovers can be helpful to move an old HSA account to a new provider, but there are rules you need to follow!

Floating Rate Funds | What They Are And How They Work Nov 25, 2020

Floating rate funds are fixed-income investments that may offer better returns than traditional fixed-income funds, but are also higher-risk.

Where To Find Free Tax Preparation Nov 23, 2020

Finding free tax preparation can be hard, but it's out there! Here's where you should look. 💵

How To Optimize Your Taxes When You Side Hustle Nov 18, 2020

Have a side hustle? Earning extra money can be great, but you shouldn't forget about paying your taxes. Here's how to optimize taxes when you side hustle.

Understanding The California Student Borrower Bill Of Rights Nov 16, 2020

The California Student Borrower Bill of Rights provides strong protections for student loan borrowers and accountability for servicers.

How To File Your Taxes With Two or More W2s Nov 11, 2020

A brief summary of this episode

5 Things Your Millionaire Neighbor Isn't Telling You Nov 09, 2020

A brief summary of this episode

How To Claim The Tuition And Fees Deduction Nov 06, 2020

With the tuition and fees deduction, you can deduct up to $4,000 of education expenses from your taxable income. Learn how to claim it!

Statute Of Limitations On Student Loan Debt Nov 04, 2020

Is there a statute of limitations on student loan debt? Learn what happens to federal and private student loans after they enter default.

How To Invest In Cryptocurrency Nov 02, 2020

There are many ways to invest in cryptocurrency, from buying coins directly to indirect routes using funds and stocks. Learn all your options!

The Best Prepaid Cell Phone Plans Oct 30, 2020

We break down the best prepaid cell phone plans of 2020 based on their strengths, pricing, and coverage. Check out our top picks!

Buy A House vs. Rent An Apartment | Comparing The Math Oct 28, 2020

A brief summary of this episode

Holiday Gift Guide for the Twenty-Somethings in Your Life Oct 28, 2020

A brief summary of this episode

How To Handle Taxes For Your Side Hustle Oct 26, 2020

Handling taxes for your side hustle needn't be time-consuming or draining. Organize your side hustle taxes today with these four easy steps.

Holiday Gift Guide for College Students and Recent Grads Oct 23, 2020

Are you looking for a holiday gift guide centered around college students and recent graduates? Look at some of these great gift ideas!

10 Different Ways To Start Investing With Just $1,000 Oct 21, 2020

Here are 10 different ways to start investing with just $1,000, including investing in stock, bonds, ETFs, mutual funds, and real estate.

What Is A Surety Bond? (And What Does Licensed And Bonded Mean?) Oct 19, 2020

A surety bond is a contract in which a surety company guarantees that a contractor or company will fulfill certain promises to an obligee.

23 Ways To Earn Extra Cash For Christmas Oct 16, 2020

Christmas is just around the corner. If you are looking to learn a little extra cash in time for the holidays, don't miss these ideas! 💵

How To Give Kids The Gift of Stock Oct 14, 2020

A brief summary of this episode

Ways To Get A Loan With Poor Credit (Under 600 FICO) Oct 12, 2020

Getting a loan with poor credit can be more difficult, but it's not impossible. Here's how to find the best deals on bad credit loans.

The Ultimate Roth 401(k) Guide Oct 09, 2020

A brief summary of this episode

Essential Tech For At-Home College Students Oct 08, 2020

Want to make sure you have the right gear for taking classes at home? This is the essential tech for at-home college students in 2020.

Can Cryptocurrency Hedge Against A Stock Market Crash? Oct 06, 2020

A brief summary of this episode

How To Contact The IRS (IRS Phone Numbers) Oct 05, 2020

Here's how to contact the IRS the fastest if you need assistance with tax issues and the best IRS phone numbers to call.

Earned Income Tax Credit: What It Is And How To Qualify Oct 02, 2020

The Earned Income Tax Credit (EITC) is a refundable tax credit designed to help those with low to moderate incomes. Find out if you qualify!

What Happens If Your Student Loan Servicer Changes? Sep 30, 2020

We break down why student loan servicer changes happen and how you can minimize your stress and frustration during the process.

Paper Trading And Practice Accounts | Where To Learn To Trade Sep 28, 2020

With paper trading in practice accounts, you can test drive a trading platform and practice trade strategies without risking any real money.

Personal Line of Credit vs. Student Loan Refinancing Sep 25, 2020

A brief summary of this episode

The 10 Best Investment Strategies for Short Term Savings Goals Sep 23, 2020

A brief summary of this episode

The Most Common Student Loan Scams [And How To Avoid Them] Sep 21, 2020

A brief summary of this episode

How To Become A Real Estate Investor With Just $500 Sep 18, 2020

A brief summary of this episode

How To Pay Off $10,000 Of Debt In One Year Sep 16, 2020

A brief summary of this episode

Paid Surveys: Earn Money For Giving Your Opinion Online Sep 11, 2020

A brief summary of this episode

Let’s Talk: Suicide And Student Loan Debt Sep 09, 2020

A brief summary of this episode

100+ Real And Honest Ways To Make Money In College Sep 07, 2020

A brief summary of this episode

2020 Federal Tax Brackets: What Is My Tax Bracket? Sep 04, 2020

A brief summary of this episode

Three Ways To Make $50,000 per Year [Passively] Sep 02, 2020

A brief summary of this episode

Capital Gains Tax Brackets 2020: What They Are and Rates Aug 31, 2020

Learn about what capital gains tax brackets are and the rates associated with them. Here's a quick overview to get you started.

How To Make Money On Your Own Schedule Aug 26, 2020

A brief summary of this episode

Average Student Loan Debt By Year (Graduating Class) Aug 18, 2020

A brief summary of this episode

The Best Robo-Advisors Of 2020 Aug 17, 2020

A brief summary of this episode

Neighbor App Review: The Airbnb For Storage Aug 14, 2020

Neighbor is a website and app that matches people who have empty space with other people in their neighborhood who need storage or parking.

The Ultimate Guide To Renters Insurance Aug 13, 2020

A brief summary of this episode

Robo-Advisors: What They Are And How They Work Aug 12, 2020

A brief summary of this episode

Payday Loans: Why The Suck And The Alternatives Aug 10, 2020

A brief summary of this episode

The Top 10 Bitcoin And Crypto Investing Sites Aug 07, 2020

A brief summary of this episode

Capitalized Interest - What Is It And How Does It Work Aug 05, 2020

A brief summary of this episode

Best College Scholarship Search Websites Aug 03, 2020

A brief summary of this episode

The Cheapest Investing Platforms And Robo-advisors Jul 31, 2020

A brief summary of this episode

Best Student Loans For Grad School Jul 30, 2020

A brief summary of this episode

How To Borrow From Your Investment Portfolio Jul 29, 2020

Here's how you can use a margin loan to borrow from your investment portfolio as an alternative to a HELOC or other credit.

Comparing The Most Popular Budgeting And Money Apps Jul 29, 2020

Organizing your financial life is the first step to growing wealth. Technology can help you move in the right direction - specifically using budgeting apps and money tracking apps. But with the number of apps mushrooming each day, it can be tough to know which to use.

What Is A Grad PLUS Loan? Jul 28, 2020

A brief summary of this episode

Real Estate vs. Stocks: Why You Should Invest In Both Jul 27, 2020

There's a consistent battle between real estate vs. stocks when it comes to which to invest in - but you can invest in both!

How Does Leasing A Car Work (And Why You Shouldn't Do It) Jul 24, 2020

A brief summary of this episode

How To Find The Best Student Loans And Rates Jul 22, 2020

A brief summary of this episode

80 Ways To Make Money From Home Jul 20, 2020

A brief summary of this episode

What Is The Depositors Insurance Fund (DIF)? Jul 17, 2020

The Deposit Insurance Fund is devoted to insuring the deposits of individuals covered by the FDIC. The Deposit Insurance Fund (DIF) is set aside to pay back the money lost due to the failure of a financial institution. Read more about the DIF in our latest article.

How To Pay For College: The Best Order Of Operations Jul 13, 2020

If you are carving a strategy of how to pay for college, looking into various sources of funds, this might be the best order of operations.

Top Crypto Based Savings Accounts Jul 08, 2020

A brief summary of this episode

How To Find College Scholarships Jul 06, 2020

Looking for free college funding is no easy task. However, it's something you should definitely do. Here's how to find college scholarships and grants.

Futures Trading: What It Is And How It Works Jul 03, 2020

Futures trading involves buying or selling futures contracts that lock in the future sale price of an underlying commodity or asset.

Effective Tax Rates: How Much You Really Pay In Taxes Jul 01, 2020

Calculating effective tax rates isn't as simple as just multiplying income by tax bracket. See what the average person really pays in taxes.

Finding The Best High-Speed Internet Providers Near You Jun 29, 2020

Here are a few tools that can help you find the best high-speed internet providers in your area and compare their speeds, plans, and prices.

Rental Car Insurance: Do You Need It Or Should You Waive It? Jun 26, 2020

Learn whether or not rental car insurance is worth having and where you can get the coverage that you need.

The 6 Best Credit Monitoring Services Of 2020 Jun 24, 2020

Don't sit idly by while identity thieves wreck your credit. Protect yourself by using one of the 6 best credit monitoring services of 2020.

How To Invest In Oil: A Guide For Beginners Jun 22, 2020

Learn how to invest in oil as a beginner including how much of your portfolio oil should comprise and your best investment options.

Paperstac Review - Invest In Mortgage Notes Jun 18, 2020

A brief summary of this episode

How To Use A 529 Plan If Your Child Doesn't Go To College Jun 17, 2020

Your child decided to skip college? Here's how you can use your 529 funds including several options to avoid the 529 plan withdrawal penalty.

8 Payday Loan Alternatives When You Need Fast Cash Jun 15, 2020

Payday loans often come with hefty fees and interest rates. If you need quick cash, these 8 payday loan alternatives could save you money.

SS vs SSI vs SSDI Jun 12, 2020

A brief summary of this episode

Pell Grants | What They Are And How To Qualify Jun 10, 2020

A brief summary of this episode

Comparing The Most Popular Budgeting And Money Apps Jun 08, 2020

A brief summary of this episode

What Is The Gift Tax and How Much Can You Gift Tax-Free Jun 05, 2020

A brief summary of this episode

Best Portfolio Analysis Tools Jun 03, 2020

A brief summary of this episode

401k Loans: The Good, The Bad, The Ugly Jun 01, 2020

A brief summary of this episode

Our Top 529 Plan Tips, Hacks, And Uses May 29, 2020

A brief summary of this episode

William B. Ford Act - A Student Loan Scammers Favorite Phrase May 27, 2020

A brief summary of this episode

How Much Should You Have In A 529 Plan May 26, 2020

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Socially Responsible Investing - How To Invest In Companies That Match Your Values May 25, 2020

A brief summary of this episode

What Is A 529 Plan And Where To Open One In Your State May 20, 2020

With the cost of college constantly on the rise, simply putting money away in a savings account for a child’s educational future may not be enough. Setting up and contributing to a 529 — a tax-advantaged savings plan for educational costs — is one of the best ways to start saving early and maximize those savings.

Stride Funding Income-Sharing Agreement Review May 19, 2020

A brief summary of this episode

Average Student Loan Monthly Payment May 18, 2020

A brief summary of this episode

Why Equal Weighted Index Funds Outperform Their Benchmarks May 15, 2020

A brief summary of this episode

The Complete And Easy Guide To Student Loan Deferments May 14, 2020

A brief summary of this episode

Vinovest Review - Invest In Rare Wines May 12, 2020

A brief summary of this episode

How To Insure Excess Bank Deposits Above The FDIC Limits May 08, 2020

The FDIC insures up to $250,000 of bank deposits per bank per person. Here's how to insure excess bank deposits above the FDIC limit.

Best International Student Loans | Which Companies Offer Them May 07, 2020

A brief summary of this episode

Tax-Free Employer Repayment Of Student Loans May 06, 2020

A brief summary of this episode

How To Save For College: The Order Of Operations Parents Should Follow May 04, 2020

When it comes to how to save for college, there's a right order of operations that can make things easier for your family.

Credit Card Debt Relief - Where To Get Help For Your Debt May 01, 2020

A brief summary of this episode

Cashier's Checks: What They Are And Where To Get One Apr 29, 2020

A brief summary of this episode

How To Setup Your 401(K) On Your First Day Of Work Apr 24, 2020

A brief summary of this episode

Mortgage Calculator | How Much Home Can You Afford? Apr 22, 2020

A brief summary of this episode

Money Orders: What They Are, How They Work, Alternatives Apr 21, 2020

A brief summary of this episode

How To Fix Your Banking Score To Open A Checking Account Apr 20, 2020

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How To Create A Budget | The Tools And Tips To Make It Work Apr 16, 2020

A brief summary of this episode

How To Get Your Stimulus Check If It Doesn't Come Automatically Apr 13, 2020

A brief summary of this episode

How To Invest In Stocks | The Easiest Ways To Get Started Apr 13, 2020

A brief summary of this episode

Astra Finance Review | Save Money Automatically Apr 10, 2020

A brief summary of this episode

What Is FICA Tax | Who Pays It and What Do I Need To Know? Apr 08, 2020

A brief summary of this episode

Updated Unemployment Benefits - What Do You Get? Apr 07, 2020

A brief summary of this episode

The Risks and Rewards Of International Bonds [And How To Invest] Apr 06, 2020

A brief summary of this episode

Farm Together Review Apr 05, 2020

A brief summary of this episode

How To Invest In Farmland Apr 03, 2020

A brief summary of this episode

Finding Recession-Resistant Investments In The Face Of The Coronavirus Apr 01, 2020

A brief summary of this episode

Earnin Review Mar 31, 2020

A brief summary of this episode

What Are Large Cap and Mega Cap Stocks And How To Invest Mar 30, 2020

A brief summary of this episode

The Average Cost Of College Mar 26, 2020

A brief summary of this episode

6 Ideas To Diversify Your Income Streams Mar 25, 2020

A brief summary of this episode

The Best Online Banks For Your Money In 2020 Mar 24, 2020

A brief summary of this episode

Coronavirus Stimulus Checks: What To Expect And What You Need To Do Mar 23, 2020

Congress is gearing up to send out stimulus checks to Americans across the country to combat the recession being created by the coronavirus pandemic.

Let's look at the history of stimulus checks, and give you an idea of what to expect, how to prepare, and what you should seriously consider spending your stimulus check on given what we've learned from history.

Dividend Aristocrats - What Companies And How They Work Mar 23, 2020

A brief summary of this episode

What Does A Quarantine Or Lock-Down Mean For Your Student Loans? Mar 18, 2020

President Trump has declared an State of Emergency to combat the coronavirus pandemic in the United States. For borrowers with student loans, this can be a challenging time. It will only get worse if there is a nationwide quarantine or even a lock-down.

With all of the shutdowns and closures, having a stable income to pay your student loans can be a challenge. Plus, there is a lot of misinformation about what is and isn't applicable for student loan borrowers.

Let's break down what the Emergency Declaration and what it means for your student loans, as well as what will happen if we move to a full quarantine or a government lock-down.

What Is An SMA (Separately Managed Account) Mar 18, 2020

A brief summary of this episode

What Are Small Cap Stocks And How To Invest Mar 16, 2020

A brief summary of this episode

Dogs Of The Dow: Is This Strategy A Winner? Mar 13, 2020

A brief summary of this episode

Bask Bank Review | Earn Points For Interest Mar 12, 2020

A brief summary of this episode

What is a Direct Student Loan Mar 11, 2020

A brief summary of this episode

Student Loan Forgiveness For Doctors Mar 09, 2020

A brief summary of this episode

Tax Tips For New Families Mar 06, 2020

A brief summary of this episode

High-paying Side Gigs That Earn $1,000 Or More Per Month Mar 05, 2020

A brief summary of this episode

Pet Insurance: Is It Worth It - The Ultimate Guide Mar 04, 2020

A brief summary of this episode

HSA vs. FSA | Here Are The Differences Mar 02, 2020

A Health Savings Account (HSA) allows you to contribute funds into the account and use those funds to pay for medical expenses. A flexible spending arrangement (FSA) allows you to contribute funds into the account and use those funds to pay for medical expenses.

Did we just repeat ourselves? On the surface, an HSA and FSA don’t seem any different. But there are differences.

There are differences in contribution amounts, employer contributions, and qualifications based on your health plan and employment status.

Let's break down the similarities and key differences between an HSA and FSA.

Best Tax Software for Estates and Trusts | Form 1041 Feb 28, 2020

A brief summary of this episode

Student Loan Planner Review: Expert Help For Student Loan Debt Feb 25, 2020

A brief summary of this episode

How To Resell Your Textbooks And The Best Places To Make A Profit Feb 24, 2020

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LoanBuddy Review: DIY Help For Your Student Loans Feb 23, 2020

A brief summary of this episode

Money For The Rest Of Us Review Feb 22, 2020

A brief summary of this episode

What Is An EIN And How To Get One Feb 21, 2020

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How To DIY Your Taxes [And Not Make Huge Mistakes] Feb 20, 2020

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Best Personal Finance YouTubers To Follow Feb 19, 2020

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The Standard Deduction or Itemizing Your Tax Return | Which Is Best? Feb 18, 2020

A brief summary of this episode

Is Tax Debt Relief Legit? Help For Your Back Taxes Feb 17, 2020

A brief summary of this episode

What Is a Student Maintenance Loan and How Does It Work? Feb 14, 2020

For those of you in the U.S., you’ve probably never heard of a student maintenance loan — or at least you probably don’t know anyone who has gotten one. That’s because they are not a U.S. student loan product. Maintenance loans are issued by the U.K. government for students attending a university in the U.K.

So how is a maintenance loan different from a tuition loan?

Vio Bank Review: A Top-Yielding Savings Account Choice Feb 13, 2020

Are you looking for a high yield savings account? If so, chances are you've seen Vio Bank on the lists of top savings accounts. They are consistently listed near the top of the rate tables because of their rates - but are they worth it?

We break down Vio Bank in our Vio Bank review below. See how they compare and look at our list of the best high yield savings accounts here.

TaxSlayer Alternatives Feb 12, 2020

A brief summary of this episode

The Ultimate Guide To Umbrella Insurance Feb 11, 2020

A brief summary of this episode

80 Different Ways To Get Student Loan Forgiveness Feb 10, 2020

A brief summary of this episode

I Will Teach You To Be Rich Book Review Feb 07, 2020

A brief summary of this episode

Form 9465: IRS Installment Agreement For Your Taxes Feb 06, 2020

A brief summary of this episode

10 Best Real Estate Websites to Learn Investing Tactics Feb 05, 2020

If you’re interested in entering into the world of real estate investing, then you’ve come to the right place.

First of all, let me say that real estate investing doesn’t have to be a scary monster preserved for a few fortunate people. Your story and trajectory may be different, but with the education from these websites you’re about to learn about, you will gain the confidence to get started on your own real estate investing journey.

Sound like a plan? Let’s delve into it.

Branch App Review Feb 04, 2020

A brief summary of this episode

Tax Debt: What To Do If You Owe Back Taxes To The IRS Jan 29, 2020

A brief summary of this episode

10 Flexible Part-Time Jobs You Can Do From Anywhere Jan 27, 2020

A brief summary of this episode

Best Payroll Providers For Online Small Businesses Jan 24, 2020

A brief summary of this episode

MyPoints Review Jan 23, 2020

A brief summary of this episode

The Best Tools To Compare Colleges Jan 23, 2020

A brief summary of this episode

How Much Do You Have To Make To File Your Taxes? Jan 22, 2020

Not everyone is required to file a tax return. It depends on your age, filing status, and amount and type of income.

If you make little income, chances are you won’t need to file. But there are some circumstances outside of income that can require filing a tax return.

Let’s look at what’s involved in understanding how much you need to make to file a tax return. If you’re looking for an easy way to file your taxes, check out TurboTax. They are partnering with us to highlight how much you need to earn to file your taxes.

Nationwide Bank MySavings Review Jan 21, 2020

A brief summary of this episode

The Highest Paying Jobs According To Real Statistics Jan 20, 2020

A brief summary of this episode

CashApp Review - Money Transfer, Investing, and Crypto Jan 17, 2020

A brief summary of this episode

Sproutt Life Insurance Review Jan 16, 2020

A brief summary of this episode

The Best Tax Free Investments Jan 15, 2020

A brief summary of this episode

What Is A 10-K Form And How To Understand It Jan 13, 2020

A brief summary of this episode

Best Credit Card Processing For Online Small Businesses Jan 10, 2020

A brief summary of this episode

Verizon Wireless Review: Unlimited Data At Fair Prices Jan 09, 2020

A brief summary of this episode

The Best Free Tax Software For 2019-2020 Jan 06, 2020

You've seen the advertisements by now: "Start your return for free" or "file for free". But honestly, are these tax software and service companies really free?

Not to mention the fact that the IRS has the FreeFile alliance, which is a group of companies that have committed to offering free filing for eligible individuals (you may have seen the countless news articles on this recently).

We took a look at every major tax filing software and service, and broke down who is offering free filing and who isn't. Many of these companies offer free Federal returns for certain filers, but then charge for the State return. Or even worse, charge more for a State return than other versions of their software!

Here's our list of the top free tax software so you can file your tax return for free!

How To Find A Tax Preparer Near Me Jan 06, 2020

A brief summary of this episode

Ultimate Guide To Disability Insurance - What You Need In A Policy Jan 03, 2020

A brief summary of this episode

The Essential Estate Planning Documents - What You Need And Why Jan 02, 2020

A brief summary of this episode

The Best Tax Software For 2019 - 2020 Jan 01, 2020

The start of tax filing season is right around the corner. You might have already received some of your tax paperwork in the mail. And you're probably thinking about which tax software option is the best for you?

Well, we've been reviewing all the major options this season, including TurboTax, H&R Block, TaxAct, TaxSlayer, Credit Karma Tax, and more. Because of all the options, there is no "one-size-fits-all" for the best tax software. It all depends on what you have to file on your taxes.

We're breaking down the categories for each "type" of filer and which software makes the most sense for your situation. There's nothing worse than spending 30 minutes thinking your taxes will be free, only to find out you need to upgrade to file!

If there's something you think we've missed, or don't quite know which is best for you, let us know in the comments! We've seen them all, so we'll try to point you in the right direction.

See the full article here >>

Bankruptcy Overview - What Is It And How Does It Work? Dec 31, 2019

A brief summary of this episode

The Best Tools To Improve Your Credit Score Dec 30, 2019

A brief summary of this episode

The Difference Between a Savings and Money Market Account? Dec 27, 2019

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15 Ways To Save An Extra $500 Per Month Dec 24, 2019

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Traditional Brick and Mortar Banking vs. Online Banking - Which Is Best? Dec 20, 2019

A brief summary of this episode

How Does Compound Interest Work - Investments, Savings, and More Dec 18, 2019

A brief summary of this episode

What Is After-Hours Trading And How Can I Start? Dec 16, 2019

A brief summary of this episode

UNDERSTANDING AND USING 529A ABLE ACCOUNTS Dec 11, 2019

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What is a CP05 Letter and What Should I Do? Dec 10, 2019

A brief summary of this episode

How To Raise Your Credit Score Dec 04, 2019

A brief summary of this episode

How To Handle An Emergency Car Repair Or Other Unexpected Expenses Dec 03, 2019

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How To Give Kids The Gift Of Stock Nov 28, 2019

A brief summary of this episode

How To Sell Your Used Clothes Online For Cash Nov 27, 2019

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How To Refinance Your Student Loans If You Didn't Graduate College Nov 26, 2019

A brief summary of this episode

How to Prevent Identity Theft: 10 Tips You Can Start Using Nov 22, 2019

While hackers have gotten savvier over the years, it is possible to take steps that reduce the chances of someone stealing your identity.

Like the old saying goes, prevention is better than a cure. Preventing identity theft is way easier than rebuilding your credit after someone steals it.

In this post, we’ll go over 10 things you can do to protect your identity and prevent identity theft. Some of these may seem tedious, but by doing them, you can protect yourself.

Finding the Best Student Loan Repayment Plan Nov 21, 2019

Are you trying to figure out what student loan repayment plan makes sense for you? The myriad of options can be confusing, but figuring out the right option is critical to your financial health. Below we outline resources and options to help you figure out what makes sense for you.

First-time Home Buying 101 Nov 18, 2019

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Does Your State Offer A Tax Deduction For 529 Plan Contributions? Nov 12, 2019

One of the big perks of using a 529 plan to save for college is that many states offer a tax deduction for contributions to the plan. But, like anything, there are rules that apply.

Some states require you to contribute to their state's plan, while other states allow you to take the tax deduction for contributions to any state's plan. Finally, there are (sadly) states that don't offer any incentives for contributions.

Also, the rules for withdrawing can also impact your taxes. Make sure you understand the differences in qualified 529 plan withdrawals so you aren't paying taxes and penalties!

How To Get Paid For Teaching English Online Nov 11, 2019

A brief summary of this episode

Credit Life Insurance: The Low Cost, Easy Way to Protect Your Family Nov 05, 2019

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HOW TO BECOME A REAL ESTATE MOGUL WITH ONLY $10,000 Nov 04, 2019

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How To Pay Your Student Loans Via Credit Cards Nov 01, 2019

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What Is Federal Work Study And How Much Does It Pay For College? Oct 23, 2019

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What Is The Federal Funds Rate And Why Does It Matter Oct 21, 2019

A brief summary of this episode

15 Best Online Business Ideas to Make Money from Anywhere Oct 16, 2019

So you want to start an online business that will allow you to make money from anywhere? You’ve stumbled on the right post! In today’s post, we’ll discuss 15 lucrative business ideas that will help you make money from anywhere.

Most of these business ideas don’t require a lot of capital. You can even start some of them absolutely free. With dedication and drive, you can make serious money with any of these business ideas.

Ready? Let’s dive in.

Filing Injured Spouse Form 8379 for Student Loan Offsets Oct 15, 2019

Does your spouse owe past-due taxes, late child support, alimony payments, or have delinquent Federal student loan debt? If so, all of the money from your joint tax return could be garnished to meet those obligations.

But as a married person filing jointly, you have some recourse against this. You can file IRS Form 8379: Injured Spouse Allocation. This form allows the injured spouse (that is the person who doesn’t owe the payment) to get a certain portion of the refund back. Read on to learn how it works.

Read the full blog post here >>

How To Make Money With Your Car [From A Person Who Did It] Oct 14, 2019

As a culture, we are becoming more productive with our time, and less wasteful of our money.

For example, hundreds of thousands of folks across make money off of Airbnb. If you have a spare room -- why not make a couple extra bucks by making it available for people to use? Why watch TV (and spend money on cable), when you could be making money on Fiverr or TaskRabbit?

We’re partnering with Turo to show you a way to make the most of your time and idle assets to earn more money. Turo is a marketplace where you can share your car and make an average of $500 per month, or in the case of a graduate student named Kayla, who we spoke with for this piece, easily make between $600 and $900 per month.

Check out Turo here and see what it’s all about >>

Credit Score Ranges and What They Mean for Your Money Oct 09, 2019

Credit scores are the gatekeepers of credit. They determine how much credit you’ll receive and under what terms. Credit scores have also become more influential and are now used for job and apartment applications.

Credit scores are obviously an area that none of us can ignore. But what impact do credit scores have on our money?

Generally, the higher your credit score, the more credit you’ll receive. As we’ll see, there are no hard and fast rules when it comes to how much credit a lender may extend to you.

From the worst scores to the best, there are score ranges that much of the population falls into. What those ranges mean for your money is what this article will dive into.

Read the full article here >>

The Ultimate Guide To Income Sharing Agreements (ISA) Oct 09, 2019

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What Is Dividend Growth Investing And How to Get Started Oct 04, 2019

Dividend investing involves investing in stocks that pay dividends. Dividends can be a source of income for investors. They can also indicate solid, growing companies whose stock might constitute a solid investment.

And dividends have been a popular investment strategy for decades — but it can be hard to do the research, know what companies to invest in, or know what products might be worthwhile.

That’s why we’ve partnered with Emperor Investments to help you learn a bit more about dividend investing, and see how their platform makes it easy for you to get started. Check out Emperor Investments here.

Read the full article here.

What Is The Schedule D Oct 04, 2019

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Top Mileage Tracking Apps And Why They Matter For Taxes Oct 02, 2019

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What Is The Schedule E Oct 01, 2019

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Tax Transcripts: What They Are and Why You Should Care Sep 24, 2019

Do you remember where you filed your tax return? What about your tax return from 3 years ago? The IRS recommends that you keep at least 3 years of tax returns on hand. But what if you can’t find your tax return in your black hole filing cabinet? Tax Transcripts are the answer.

And if you want to check on the status of your tax return early, your tax transcript can also help.

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