Student loan debt is the second highest consumer debt category in the United States, with former students owing over 45 million dollars in student debt. Understanding the interest rates, charges and how rising rates impact the loans, can help you better manage the debt and speed up your loan payoff.
Energy efficient lighting is at the top of most lists discussing, “how to save money in your home.” With the higher cost of these bulbs, many consumers begin to wonder if it’s really worth the extra cost. There are several factors that determine the amount you save and whether you should invest in the more […]
In 2017 there were 50.7 million students enrolled in public and secondary schools. Out of that, 35.6 million were in pre-K through eighth grade and the other 15.1 million were in high school. When you add 5.2 million students enrolled in private schools and over 20 million in colleges and universities, it makes it is […]
We all make mistakes. Sometimes mistakes can create an opportunity to learn. At other times, we can “fix” the mistake and move forward. However, there are occasions when mistakes are irreversible and can have a lasting impact on your life.
Libraries began as a collection of documents. The buildings were marked by dimly lit rooms, as well as shelves of books and reading materials considered important for learning. Today learning takes many forms, and in response to these changes, your local library is now a resource for much for than books.
In 2017 66.7% of high school graduates went to college. In hopes of improving lifetime wages, most will rely on student loans with 70% of graduates borrowing money to fund part of the cost of schooling. In 2017, graduates borrowed an average of $39,400. Despite the rising costs recent studies support the value of education […]
Buying a home is a big commitment as well as a big investment. You must save enough money for both the down payment and closing costs, which can add up to several thousand dollars. Unless you are a Veteran using a VA loan, you typically need between 3% and 20% of the price of the […]
The average person owns 12 cars in their lifetime, driving each vehicle for around six years. Today, it is possible to extend vehicle loans from seven to ten years, rather than the three to four year loans seen in the past. The problem with extended auto loans is that a vehicle loses value over time […]
Due to the lack of consistent public transportation, even in major cities, most Americans need a vehicle to get around. Studies estimate that roughly 85% of Americans travel to and from work with a personal vehicle. In addition to the necessity of a car, the costs are continually rising. Consumers pay an average of over […]
Vacations can provide better health and happiness, along with increased productivity at work. Despite the benefits, finances cause many families to forgo paid time off from work every year. Recent estimates confirm that American workers only used 54% of paid vacation days. Even with paid vacation days, families who failed to set aside money throughout […]