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.

47% of Graduates Say Student Loan Debt Affects Mental Health
How Does Student Loan Debt Affect Mental Health?

March 23, 2026

Student loan debt got you down? Don’t despair—there are ways to get ahead of what you owe.

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Which Credit Card Should I Pay Off First?
Which Credit Card Should I Pay Off First?

March 23, 2026

Ready to tackle your credit card balances? Here's how to break it down and know which one to pay off first.

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How to Budget Groceries When Prices Keep Going Up
How to Budget Groceries When Prices Keep Going Up

April 1, 2026

You have to eat. But prices keep going up. Learn some old and new tricks that might help keep grocery costs down.

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My Car Payment Is Too High! What Can I Do?
My Car Payment Is Too High! What Can I Do?

April 1, 2026

For many of us, selling a car is a no-go, even if payments get too high. Here’s how to handle it.

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How to Avoid Lifestyle Creep and a Hamster Wheel of Debt
How to Avoid Lifestyle Creep and a Hamster Wheel of Debt

April 1, 2026

When you finally get out of debt, you don't want to dive back into borrowing too much again. Here's how you can avoid falling back into the debt trap.

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How Do You Remove a Delinquent Student Loan from Your Credit Reports?
How Do You Remove a Delinquent Student Loan from Your Credit Reports?

April 1, 2026

You can correct at least some kinds of credit report damage from missed student loan payments. Here’s how.

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What Is a Mechanic's Lien and How Does It Work?
What Is a Mechanic's Lien and How Does It Work?

April 1, 2026

A mechanic's lien could happen if you don’t pay a contractor. Learn how to get a lien released.

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Why Does Higher Credit Utilization Decrease Your Credit Score?
Why Does Higher Credit Utilization Decrease Your Credit Score?

April 1, 2026

Maxing-out credit cards? Higher credit utilization could lower your credit score. See if you might need debt relief.

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Debt Collection Rules: 7-in-7
Debt Collection Rules: 7-in-7

April 4, 2026

The 7-in-7 rule helps protect you from harassment by debt collectors. Here’s how it works—and what it doesn't cover.

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How Big Should My Emergency Fund Be if I Want to Avoid Debt?
How Big Should My Emergency Fund Be if I Want to Avoid Debt?

April 2, 2026

Your emergency fund could shield you from debt. Read on to see how much savings it takes to stay debt-free.

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