Erika Giovanetti

Erika Giovanetti

Erika Giovanetti is a personal finance reporter whose work has been featured in the New York Times, NPR, CNBC, CBS News, Fox Business, the Today Show and many more. Erika is passionate about helping consumers make informed decisions with their money. She specializes in personal loans, consumer debt, budgeting and spending, medical billing, predatory lending and finance apps.

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Articles by Erika Giovanetti

What Is a Payday Alternative Loan?

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

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

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)

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

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

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