People get out of debt all the time, but they also tend to get back into debt eventually. In 2018, we conducted a nationwide survey that found 72% of people who budget say it’s helped them get out of debt in the past. But only 27% said it helped them stay debt free. Why is […]
Meghan Alard is a guest contributor for Debt.com. She’s been a staff writer for ten years at one of the nation’s largest and oldest nonprofit credit counseling services—Consolidated Credit. She’s a PFE-certified debt management professional, specializing in content that helps consumers manage debt, improve their credit, budget, and save for long-term goals.
Meghan has also worked closely with Consolidated Credit’s housing counseling team. In that role, she’s contributed newsletter content for the U.S. Department of Housing and Urban Development (HUD).
“I take pride in helping people achieve those big financial goals that we all dream about, like becoming debt-free and buying a home. They’re dreams that I was excited to achieve, so it feels good to help others reach them, too.”
Before joining Consolidated Credit, Meghan worked as a staff writer for a consumer products company, writing for brands such as Black & Decker Home and George Foreman Grills. In that role, she found a love for testing products and then writing about the experience for consumers. You can find her financial product reviews on moneytips.debt.com
Most people think that you need good credit to buy a house. But that’s really only true for traditional, fixed-rate mortgages. If you want a 15-year or 30-year fixed-rate mortgage, then you generally need a FICO score of at least 620 or above. More high-end lending tools, like balloon mortgages and jumbo mortgages, generally require […]
If you have multiple credit card balances that you need to pay off, debt consolidation can help you get out of debt faster. You find a way to roll all your balances into one monthly payment. The goal is to reduce or eliminate APR, so you can focus on repaying what you owe instead of […]
College is supposed to be a stepping stone to a better career and a bigger salary. But it’s also notorious for creating debt that can be almost impossible to eliminate. Avoiding crushing student loans and credit card debt that can lead to serious life delays takes careful planning. That’s why our team at Debt.com created […]
Everything Auto Learn how to buy, lease, refinance, and manage auto loan debt effectively. As debt goes, auto loans tend to be much less of a hassle than other debts like credit cards and student loans. But you still want to put as much thought and consideration into a car or truck purchase as possible, […]
Only 10% of the $46.5 billion that Congress has allocated for emergency rental assistance has been distributed. Use this guide to learn which programs are available in your area and how to get the right help to expedite your ERAP application.
The IRS will begin disbursing advance payments on the expanded Child Tax Credit on July 15. Learn who is eligible to receive payments, how much they can get, and how to avoid delays. We have the latest updates from the IRS.
If you’re facing debt collections, make sure that the collector verifies the debt fully before you start to negotiate. Learn how debt validation works and what you should do next.
Missed payments in your credit history, delinquent accounts statuses, and collections are all big negative marks on your credit report. Re-aging can affect all of them, and the result can be both good and bad for you. Understanding what it means and how it can affect your credit is essential to achieving and maintaining a […]
If you want to access the equity in your home without a second mortgage, a cash-out refinance may be the solution. In the right circumstances, you may be able to lower the interest rate on your mortgage and take advantage of your available equity without significantly increasing your monthly payments or financial risk. Table of […]