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Channel: Credit and Debt - 360 Degrees of Financial Literacy
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Americans & Credit Cards

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I'm one of those ...

I'm one of those college students who got a credit card, and charged way more than I could afford and now can’t pay it back. I have $4300.00 on a credit card and work 2 jobs. I’m barely making ends...

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Summary of the New Financial Reform Law

The financial reform bill recently signed into law is an attempt to address some of the problems that contributed to the 2008 financial crisis. It is considered the most wide-reaching overhaul of the...

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Understanding merchant rewards programs

Offered by merchants of all types, rewards programs are marketing tools that encourage brand-loyalty purchasing through price discounts, bonus points and/or coupons toward future purchases, donations...

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Advantages and Disadvantages of Credit Cards

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How Student Loans Impact Your Credit

Your student loans can have a big impact on your credit score and credit history. Establishing a good repayment record and paying down your student loan debt is important if you want to obtain new...

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Debt Payoff Strategies

In these uncertain economic times, you may be thinking of reducing your debt load. There are a number of strategies for paying off debt that you might consider. However, before starting any debt...

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