Student loans can be a great investment in your future, but they come with serious financial obligations. Defaulting on your student loans happens when you fail to make payments for an extended period of time. Understanding what causes default and how to avoid it is critical for anyone with student loan debt. What Is Student … Read more
Creating the optimum banking experience covers a lot of ground today – from streamlined service and improved security like cash recyclers and ATMs, to a clean, organized bank – including the customer-employee relationship. How your team interacts with customers is a key reason why they either come back or switch to a competitor. Creating the … Read more
A credit freeze restricts access to your credit report. If you suspect your personal information or identity was stolen, placing a credit freeze can help protect you from fraud. Having your credit frozen can be an effective way to protect yourself against identity theft and fraud. But it also prevents you from getting approved for … Read more
You can get a credit score for free from many credit card companies or other lenders you use, and from nonprofit credit and housing counselors. You can pay for a credit score service, which might include credit monitoring or other services. Your credit scores are calculated based on the information in your credit history. This … Read more
The Paycheck Protection Program (PPP) is administered by the federal Small Business Administration (SBA) and provides COVID-19 relief funding to small businesses as well as individuals who are self-employed or are independent contractors if they meet program size standards. PPP loans are eligible for full or partial forgiveness if the money was used for qualifying … Read more
When it comes to credit limit increases, your credit scores could be affected in a few ways. But it depends on how the increase happens and how an expanded credit limit is used. Hereâs some information to help you learn more about how increasing your credit limit could affect your credit scores. Having a higher … Read more
Figuring out how much of a down payment you need to buy a $300k house can be overwhelming. This guide will break down your down payment, income needs, and everything in between so you can start your homebuying journey with confidence. When buying a $300,000 house, one of the biggest questions homebuyers face is how … Read more
We know that real estate agents show up for their communities on a regular basis. They share news about local businesses, connect new residents with trusted vendors, and showcase the best their town has to offer. And when natural disasters strike, they step up even more, as we’ve seen with Hurricanes Ian, Helene, and Milton—and … Read more
Taking out a $30000 personal loan is a big financial decision that requires careful consideration. The monthly payment on a $30000 loan can vary significantly depending on factors like the loan term, interest rate, and fees. In this comprehensive guide, we’ll walk through everything you need to know to calculate the monthly payment on a … Read more
To understand available credit, it might help to imagine that youâre borrowing cash from a friend. Say your friend loans you $10 and you spend $4. If the original $10 you borrowed represents your credit limit, the $4 you spent is your current balance. And the $6 you have left is your available credit. Learn … Read more