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.

Financial Abuse and Debt
Financial Abuse and Debt: What to Do If Your Partner Forced You to Borrow Money

May 1, 2026

If you're coerced into debt, you have the right to dispute the balances. Here’s how to get your financial life back.

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Can I Use My Roth IRA to Pay Off Debt?
Can I Use My Roth IRA to Pay Off Debt?

May 1, 2026

Roth IRAs give you a lot of flexibility with your retirement money. But should you use yours to get out of debt?

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Where Can I Get Help With Credit Card Debt Over $10,000?
Where Can I Get Help With Credit Card Debt Over $10,000?

May 1, 2026

Struggling with five-figure credit card debt? Here's how to find the help you need.

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How to Decide Whether to Add to Your 401(k) or Pay Off Your Debt
How to Decide Whether to Add to Your 401(k) or Pay Off Your Debt

May 4, 2026

Passing up a 401(k) match is a big deal, but there may be times to focus on debt first.

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The Average Tax Refund in 2026 Is $1,000 Higher. Here's What to Do With Yours
The Average Tax Refund in 2026 Is $1,000 Higher. Here's What to Do With Yours

May 2, 2026

Many refunds are bigger in 2026, and that could mean a chance to improve your finances. Here’s how to put yours to use.

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Should You Consolidate Debt With a Loan This Year?
Should You Consolidate Debt With a Loan This Year?

May 2, 2026

Here’s what to know about the economy's potential impact on your debt consolidation plans this year.

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How to Use Your Home Equity to Pay Off Student Loans
Can You Use Your Home Equity to Wipe Out Student Loans? Here's How It Works.

June 24, 2026

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

March 18, 2026

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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7 Good Financial Habits to Master
7 Good Financial Habits to Master

March 18, 2026

Having financial goals is important. Read more about 7 good financial habits to master in…

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Credit Card Debt Bankruptcy
Should You Consider Filing for Credit Card Debt Bankruptcy?

March 18, 2026

If you’re overwhelmed by creditor phone calls, collection letters, or lawsuits, filing for bankruptcy forces your creditors to suspend collection activity. You cannot legally...

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