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Student loan-forgiveness scams are common, and they are likely to become more prevalent when deferred loan payments resume in September. For more than 40 million Americans, student loan debt is a reality. What’s not real, however, is a blanket student loan-forgiveness program offered by the government. 

Just remember that there is no legitimate reason for anyone to pay more than the accepted price. Never agree to forward money to someone you don’t know on behalf of a “buyer.” Even if the funds are real, you could be implicated in money laundering.

Thanks to the Internet and YouTube, doing it yourself has taken on a new life. For example, a young person we know was able to diagnose a problem with his clothes dryer, then order the key part and install it, thus saving the cost of an in-home repair. Information that once might have been hard to find outside of specialized publications has become accessible to everyone. But there are limits to self-empowerment. One area in which some people may be overconfident is financial management. There is more to financial planning than setting some goals and pinching some pennies.

Credit cards are a secure, convenient alternative to using debit cards, checks or cash to make purchases. They can serve as a powerful money management tool and can help you boost

Having a credit card offers many advantages. Depending on the card you have, those perks can vary from travel rewards to getting cash back just by using your credit card. So, what do you need to do to get approved

In an era during which convenient financial technology tools — such as Google Pay, Venmo and Apple Pay — are all the rage, do you need a checking account? The answer is a definitive yes. Here’s why

If you’ve been researching loans, you’ve certainly noticed the term interest rate. Expressed as a percentage, usually in annual terms, an interest rate is the amount of money your lender charges you for a loan. Nearly every type of loan, including mortgages, car loans and student loans, charges an interest rate. Rates vary depending on your credit score, the type of loan and the lender.

Smart borrowers understand the loan options available to them. The majority of loans are either unsecured or secured. Each loan type has its pros and cons. When you apply for a loan, do your homework.

We all know we should turn off the lights when we leave a room, unplug appliances we aren’t using and invest in reusable drinkware to reduce our carbon footprints. But, changing other small habits can have a positive impact not only on the environment, but also your wallet.

If you have a history of overdrafts or, worse, if another financial institution closed your account, you’re probably going to run into some difficulties when you try to open another one

Saving money is a lot like exercising. You know you should do it, but you just don’t want to. As tax season approaches, a refund is a great opportunity to better position yourself for financial fitness

Budgeting is a vital component of building and maintaining financial stability. For a lot of people though, it can seem like a chore — one too daunting even to try.

Having a healthy emergency fund in place is a critical component to achieving and maintaining financial stability. Unfortunately, things happen, like medical emergencies and job loss.

You’ve interviewed for a new job, and now it’s time to talk money. While it may seem daunting, negotiating salary is a pivotal step in the interview process. It’s your chance to get the pay you deserve and set your financial trajectory for years to come.

Ever wonder how important your credit score is? Well, that three-digit number has a lot of power. It can make or break your ability to receive a loan, a credit card, affordable car insurance and even rent an apartment.