Articles by Erika Giovanetti
What Is a Payday Alternative Loan?
December 30, 2022
Payday alternative loans (PALs) are small, unsecured loans that are only offered by federal credit unions. These loans were designed to give consumers a more... read more
Quick Loans: Personal Loan Lenders With Fast Funding
December 22, 2022
Personal loans are lump-sum loans that are repaid in fixed monthly installments over a set period of time, typically a few years. They’re a good... read more
As Credit Reporting Agencies Remove Most Medical Debt From Credit Reports, Up to 45% of Americans Could Benefit
June 27, 2022
The choice to seek medical care isn’t often a choice — anyone who’s ever experienced a medical emergency or dealt with a chronic, long-term illness... read more
Are Personal Loans a Bad Idea? (And Other Key Questions)
August 31, 2021
Borrowing a personal loan isn’t a bad idea if you qualify for a low rate and reasonable repayment terms. But if you get stuck with... read more
How to Pay Off Debt in Collections
August 31, 2021
If you’ve missed payments on your debt for a significant period of time, typically 180 days, it may be sent to a collections agency. The... read more