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How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
Headshot of Kristina Byas

Kristina Byas

Freelance Writer

Kristina Byas is a seasoned personal finance writer with over seven years of experience helping readers navigate complex financial topics. Her work has been featured in well-known outlets, including Investopedia, Bankrate, Student Loan Hero, The Simple Dollar, MagnifyMoney, and CNET. Kristina is passionate about making personal finance accessible, empowering people with the knowledge they need to make confident financial decisions.

She specializes in writing about budgeting, credit and debt management, loans, and insurance. Her clear, practical approach makes even the most complicated topics easy to understand, and her goal is always to provide information that readers can apply to their everyday lives.

Specialties

  • Budgeting and saving
  • Credit and debt
  • Personal loans
  • Mortgages
  • Life and auto insurance
  • Student loans
  • Business lending

Achievements

  • B.A., English, University of Wisconsin–Milwaukee
  • Copyediting Certificate, University of California–San Diego

Education

  • Bachelor of Arts, Florida State University

Kristana’s thoughts on financial planning

“Smart money management is about balance—enjoying what you’ve earned today while still preparing for what you’ll need tomorrow. Spend with intention, save with purpose.”

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Articles by Kristina Byas

2025 Arkansas First-Time Homebuyer Programs and Loans

MARCH 7, 2025

First-time homebuyer programs in Arkansas are designed to make homeownership more accessible. These programs, many of which are available through the Arkansas Development Finance Authority... read more

Guild Mortgage Review 2025

JUNE 4, 2019

Guild mortgage overview Guild Mortgage was founded in 1960 and is headquartered in San Diego. Areas of service: 49 states (excluding New York) and the... read more

Lower Mortgage Review 2025

MARCH 22, 2019

Lower mortgage overview Lower, founded in 2018, is an online mortgage lender based in New Albany, Ohio. Areas of service: 45 states, excluding Alaska, Hawaii,... read more