A high debt-to-income ratio is a common reason lenders deny applications. The good news is that you can lower your DTI.

Americans are facing rising debt levels. Household debt balances reached $18.8 trillion in the fourth quarter of 2025, with total household debt increasing by $191 billion just in Q4 2025.

The good news is that a loan isn't the only way to streamline what you owe. There are other ways to organize debt, lower monthly payments or reduce balances, all without borrowing more money upfront.

It might lower your score in the short term but make it easier to improve your score over time ...

Accredited Debt Relief reports that maxing out credit cards affects financial health; tips include budgeting, repayment plans ...

Behind on bills? These relief options can ease the pressure now, before your missed payments continue to spiral.

Learn the difference between tax credits and tax relief, how credits reduce taxes owed and how IRS programs help manage tax debt.

The first step is to get a complete picture of what you owe. Don’t avoid the bills. Gather all your credit card statements ...

You can refinance both federal student loans and private student loans, but one is riskier than the other. When you refinance federal loans, you're no longer eligible for federal benefits and ...