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Loan Basics

Loans help finance some of our biggest goals in life. They can provide access to possibilities that we can’t afford upfront—possibilities like going to school, buying a home or starting a business (to name just a few).

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Breakdown of a Credit Score

You’ve likely heard about credit scores before (thanks to all those commercials with terrible jingles), but what do you actually know about them? How long have they been around? And what’s the deal with checking them?

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Boost your Credit Score

Credit scores are an area of personal finance that seem a lot more mysterious than they actually are. Many people believe that improving them is a matter of trial and error and, as a result, there’s a lot of “credit score advice” floating around that can end up doing more harm than good.
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Student Loans 101

If you’re considering financing your college education with the help of a student loan, the smartest thing you can do for yourself is to only borrow what you truly need. Pursuing post-secondary education should be an exciting time in your life. You’re making decisions and opening up possibilities that will shape your future—a future that is adventurous and fulfilling and that decidedly does not include years and years of crippling debt.

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Strategies for Debt Repayment

Consumer debt is an extremely contradictory part of our personal finances: it’s at once common and incredibly personal. To some, a debt might signify a major accomplishment or progress toward a large goal. To others, it might be a constant reminder of a time of crisis or hardship. It is perhaps these differences that make it challenging to talk openly about debt for fear of judgment.

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Owning vs. Renting a Home

The average person moves residences about 11 times in their lifetime. That provides a lot of opportunity to confront the following question: is it better to own your home or to rent it? It’s a huge decision that affects your lifestyle as much as it does your finances, and the answer will vary depending on who you ask.  
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Using Your Credit Card

Hesitation around opening and using a credit card is completely justifiable—it invites the possibility of overspending, missing payments, racking up fees, paying high interest rates and dealing with the resulting financial stress. Credit cards can be seen as a gateway to spiraling debt—and for some, that’s enough to justify reaching for a debit card or for cash instead.
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