author

Kimberly Rotter

Author

Kimberly Rotter is a financial counselor and consumer credit expert who helps people with average or low incomes discover how to create wealth and opportunities. She’s a veteran writer and editor who has spent more than 30 years creating thousands of hours of educational content in every possible format.

Talk to a Creditor About Loan Forbearance: A Step by Step Guide
Talk to a Creditor About Loan Forbearance: A Step-by-Step Guide

March 1, 2026

Loan forbearance might be a good solution if you’re struggling. Here’s how to talk to your creditors about it.

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How much can you usually settle a debt for
How Much Can You Usually Settle a Debt For?

March 7, 2026

Debt settlement could help you significantly reduce your debt and put it behind you. Find out how much you could offer.

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What Is Zero-Based Budgeting?

March 28, 2026

There’s one time when it’s good to end up with no more money: When you follow a zero-based budget. Learn more.

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Black Friday Savings and Shopping: 2020 Edition
Black Friday Savings and Shopping: 2025 Edition

March 29, 2026

Ready to stay in the black when you shop on Black Friday? Here are tips to save money and avoid debt.

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How Much Debt Does the Average American Have?
How Much Debt Does the Average American Have?

April 1, 2026

Don’t let nationwide debt averages drive you. Your debt can be conquered no matter how it compares.

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How Depression Might Affect Spending and Debt
How Depression Affects Debt and Spending

March 29, 2026

Depression can make it harder to do even simple financial tasks. Here are some tips…

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Auto Loan Debt Relief
Auto Loan Debt Relief: How It Works and Who It's Right For

March 7, 2026

Auto loan debt relief could help you get back on stable financial footing. Learn more about the five top strategies.

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Does Debt Relief Cancel Credit Cards?
Does Debt Relief Cancel Credit Cards?

March 7, 2026

Even with debt relief you might still be able to have access to one of your credit cards. We’ll explain how.

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7 Ways to Save More for Retirement, Starting Now
7 Ways to Save More for Retirement, Starting Now

March 30, 2026

For more financial security in your golden years, follow these seven simple steps to save more for retirement, starting today.

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Did Delinquent Student Loans Make Your Credit Score Plunge
Did Delinquent Student Loans Make Your Credit Score Plunge? Here's What to Do Next

March 29, 2026

Got delinquent federal student loans? You have options. See how to get back on track and get on with your life.

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