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.

Balance Transfer vs. Consolidation Loan
Balance Transfer vs. Consolidation Loan

January 20, 2026

Looking for a way to manage multiple debts? Here’s how a balance transfer or consolidation loan could help.

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Can I Get a Debt Consolidation Loan Without a Job?
Can I Get a Debt Consolidation Loan Without a Job?

January 20, 2026

You might qualify for a debt consolidation loan even without a job. Here’s how it works.

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Zombie Debt
Zombie Debt: Don’t Let It Rise to Bite You

January 22, 2026

If the phrase zombie debt gives you the willies, have no fear. Here's how to slay debt that seemingly rose from the dead.

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How to Prepare for a Recession If You are Already Struggling
How to Prepare for a Recession If You are Already Struggling

January 22, 2026

How do you prepare for a recession when you already struggle financially? Even in tough…

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6 Steps to Finally Get Rid of Your Debt in 2025
6 Steps to Finally Get Rid of Your Debt in 2026

January 22, 2026

If debt is weighing you down, you have options, from payback plans to debt relief. Get the details here.

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What to do if you're subject to wage garnishment for student loan debt
What to Do if You're Subject to Wage Garnishment for Student Loan Debt

January 22, 2026

Worried about your student loans? We’ll walk you through seven strategies to cope with default and wage garnishment.

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

January 22, 2026

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

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

January 22, 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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5 Ways to Improve Your Financial Literacy
6 Ways to Improve Your Financial Literacy

January 23, 2026

If you have made it a goal to learn more about personal finance, then you…

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How to protect yourself in a recession
Recession Preparation: How Can You Protect Yourself?

January 22, 2026

Yes; the U.S. entered a recession in 2022. Learn how to protect your finances, what to do and not do in a recession.

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