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.

The Fed Cut Rates in December: Will Your Credit Card Get Less Expensive?
The Fed Cut Rates in December: Will Your Credit Card Get Less Expensive?

May 3, 2026

The Fed slashed its benchmark interest rate in December. Here's what it could mean for credit card debt.

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No-Fee Personal Loans
No-Fee Personal Loans: How It Works and Tips to Get Approved

May 3, 2026

You need a loan, but you don't need high fees. No-fee personal loans could help you save money when you borrow.

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Are There Legit Debt Relief Programs?
Are There Legit Debt Relief Programs?

May 3, 2026

There are legit debt relief programs, and our guide explains how to find one that’s right for you.

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What Is Predatory Lending?
What Is Predatory Lending?

May 4, 2026

“Trust but verify” is a good motto when you’re borrowing money. Here’s how to tell when a lender might be a scammer.

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Money Moves to Help You Deal With Debt in 2026
Money Moves to Help You Deal With Debt in 2026

May 4, 2026

Want to make debt repayment more manageable? Here are a few money moves to help you deal with debt in 2026.

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How to Create a Debt Snowball Method Spreadsheet for Free
How to Create a Debt Snowball Method Spreadsheet for Free

May 4, 2026

Want to get rid of your debt? Learn how to create a debt snowball method spreadsheet without spending a dime.

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Can You Go to Jail for Medical Debt?
Can You Go to Jail for Medical Debt?

May 4, 2026

Unpaid medical bills don't land you in jail, but you could get sued. Learn what can happen, and what to do about it.

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When Can You Buy a Home After Short Sale?
When Can You Buy a Home After Short Sale?

May 4, 2026

Want to own a home again after a short sale? Here’s how to make it happen.

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

May 12, 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 debt can be forgiven with debt settlement
How Much Debt Can Be Forgiven With Debt Settlement?

May 11, 2026

Got too much debt? Here’s how debt settlement might help.

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