How to Pay Off Your Credit Cards – When No One Wants to Help You

Just because you’ve been turned down for balance transfers and personal loans, it doesn’t mean you’re destined for bankruptcy. America is drowning in debt – and credit cards are dragging us down. According to statistics from Debt.com… We owe more than $1 trillion on our cards. That’s enough to buy every NFL, NBA, NHL, and … Read more

Should I Take Out a Student Loan to Payoff My Wife’s Student Loans?

“Dear Steve, My wife and I both finished our undergraduate degrees, I did not have any debt, while she accumulated quite a bit of debt. I am currently in dental school, and while I still do not have to take out loans for school, I have access to loans that have a lower interest rate … Read more

Should I Payoff My Student Loans? – Sarah

“Dear Steve, I have about $19,000 in government-backed student loans at 2.25%. When I graduated, I was advised to NOT pay off the full debt right away and “take advantage” of the low interest rate. So, I have been paying slightly more than the minimum each month ($100) and have only knocked the principal down … Read more

Should I Keep Investing in My IRA or Pay Off My Home?

“Dear Steve, Bought a home a year ago after finishing paying off students loans (am currently 27). I started contributing to a Roth about 6 months before I purchased the home and am now wondering if I should continue to max out the Roth or pay off the house faster? M” Dear M, I think … Read more

Should I Put All My Money Into Paying Off My Student Loan? – Chester

“Dear Steve, I am a recent graduate with 43,000 in student loan debt. I make about 30,000 a year. All my student loans are federal with interest rates ranging from 6% to 2%. My current monthly payments are $141/month. I have no credit card debt, no mortgage, and no car payments. Should I be in … Read more

Which is the Best Debt to Pay Off First? – Taylor

“Dear Steve, I have some extra money this month and wanted to know which was the best way to go. Pay on the cards with the smallest balances or highest or is the better route the one with highest interest? Taylor” Dear Taylor, If you’ve come into some extra money I’d first suggest you save … Read more

How Can I Negotiate a Lower Loan Payoff on My Travel Trailer? – Mo

“Dear Steve, I had a 2008 brand new Travel Trailer. It was just “Totaled” by a hail storm. I was insured by GMAC. They claimed ” FULL RV REPLACEMENT” without depreciation. When I checked that route it wasn’t what was promoted by them (long story), so I took the cash settlement instead. This went directly … Read more

I Love My Job But Need to Payoff Debt and Start Saving. – Anne

“Dear Steve, 28YRS OLD. SINGLE MOM OF A 10YR OLD BOY. LIVING W/ MOM.FILLED BANKRUPTCY 5YRS AGO AND RUINED CREDIT AGAIN. ABOUT $50,000 STUDENT LOAN DEBT(FEDERAL AND PRIVATE). NEWLY EMPLOYED AFTER BEING UNEMPLOYED FOR 6 MONTHS. THE JOB IM WORKING NOW IS WHAT I CONSIDER MY “DREAM JOB” AND I PLAN ON WORKING FOR THIS … Read more

I’ve Been Out of College for 11 Years. How Do I Pay These Student Loans Off? – Martha

“Dear Steve, I’ve been out of college for about 11 years now. I’ve attended 2 colleges and had to take out Student Loans from both college. My combine student loans are between $24,000-$25,000. I’m no longer working full time hours. I need someone to help me get out of the student loan debt. I will … Read more