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.

How to Use Your Home Equity to Pay Off Student Loans
How to Use Your Home Equity to Pay Off Student Loans

December 2, 2025

If your home equity looks like a good way to refinance your student loan debt, here’s what to know first.

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Debt Load
Debt Load and Your Finances

December 2, 2025

Learn how much debt might be too much for you. Find out where you stand and take control of your debt.

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How Does Student Loan Forbearance Affect Your Credit Score?
How Does Student Loan Forbearance Affect Your Credit Score?

December 7, 2025

Student loan forbearance differs with federal and private loans. Here’s how both can affect your credit score.

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How to Dispute an Error on Your Credit Report
How to Dispute Your Credit Report

December 8, 2025

Errors on your credit report can hurt your score. Here's how to get rid of them fast.

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Refinance Credit Card Debt
How to Refinance Credit Card Debt

December 12, 2025

Find out how to save money and make payments easier to manage by refinancing credit card debt.

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7 Steps to Prepare For the Debt Settlement Process
7 Steps to Prepare For the Debt Settlement Process

December 11, 2025

Getting ready for the debt settlement process? Find tips for success here.

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

December 11, 2025

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-unemployment-affect-your-credit-score
Does Unemployment Affect Your Credit Score?

December 12, 2025

While unemployment doesn't directly hurt your credit, the fallout from it could. Here’s how to protect yourself.

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Is Debt Settlement Worth It?
Is Debt Settlement Worth It?

December 12, 2025

Debt settlement could be a powerful debt relief tool. Here's how to know whether it's the right option for you.

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Open Enrollment 2021: Do You Need an HSA?
Do You Need an HSA?

December 12, 2025

An HSA could lower your taxes while helping you avoid medical debt. Read on to see if an HSA is right for you.

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