
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.
January 31, 2026
Don’t let lingering wedding debt fester. Here are four ways to pay it off.
Read moreJanuary 31, 2026
There’s no debtors' prison, but debt could lead to other trouble. Learn how to avoid courtrooms and judges.
Read moreJanuary 31, 2026
Debt gets less scary when you start tackling it. We’ll show you how.
Read moreJanuary 31, 2026
Find out how to save money and make payments easier to manage by refinancing credit card debt.
Read moreJanuary 31, 2026
Not being able to pay your bills is scary, but you can take action. Start with these tips.
Read moreJanuary 31, 2026
Don’t buy into the 20% down payment myth. There are other options, and some may be right for you.
Read moreJanuary 31, 2026
You’ve got leverage—you can sue debt collectors who don’t follow the rules. Read up on the details.
Read moreJanuary 31, 2026
Help yourself get out of debt with these lifestyle changes and better money management.
Read moreJanuary 31, 2026
While very rare, the lowest possible credit score is 300. However, any credit score under 500 is low and under 580 is sub-prime.
Read moreFebruary 3, 2026
No need to take a hardship withdrawal or 401(k) loan to pay off credit card debt. We’ll show you proven debt strategies.
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