In the broad sense, “credit counseling” can refer to any of the educational or debt relief services provided by a credit counseling service. Obviously, taking a voluntary class in budget management will have no direct effect on your credit – although it could help you to improve your credit score if you implement what you [...]

What is credit counseling, and how do you know if it’s right for you? Examine your financial situation. Do you frequently miss monthly payments on at least one of your credit cards or other debts? Do you have several credit cards which are all close to maxed out? Do you have a credit card that’s [...]

How Payday Loans Work Payday loans are short-term cash loans based on the borrower’s personal check held for future deposit or electronic access to the borrower’s bank account. Borrowers write a personal check for the amount borrowed plus the finance charge and receive cash. In some cases, borrowers sign over electronic access to their bank [...]

Determine the Expected Family Contribution (EFC) Toward College Costs As a parent, how much you are expected to contribute toward your child’s college education is determined by the federal government based on information you provide in the Free Application for Federal Student Aid (FAFSA). In the application process, you are asked to provide information regarding [...]

Your goal should be to minimize your overall borrowing – and here is how. Grab a pencil, a calculator, the financial aid award information from your school, and follow these steps to run the numbers: What are your total college expenses? Check your award letter for the “total cost of attendance.” This will usually include [...]

Colorectal cancer is the third leading cause of cancer-related deaths in the United States among both men and women. For men, only lung and prostate cancer show higher numbers than colorectal cancer. In women, only lung and breast cancers outrank colorectal cancer. The survival rate after five years is 45%. Colorectal cancer affects the digestive [...]