author

Kimberly Rotter

Author

Kimberly Rotter is a financial counselor and consumer credit expert who helps people with average or low incomes discover how to create wealth and opportunities. She’s a veteran writer and editor who has spent more than 30 years creating thousands of hours of educational content in every possible format.

What Is a Government Debt Relief Program?
Veteran Debt Relief Grants: Your Guide to Financial Assistance Programs 2025

December 3, 2025

Tour of duty complete, now it’s time to conquer debt. Find out which veteran debt relief programs could help you.

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When You Need Quick Cash, Run Away From These Red Flags as Fast as You Can
When You Need Quick Cash, Run Away From These Red Flags as Fast as You Can

December 12, 2025

Hidden fees, exorbitant interest rates, and high-pressure sales tactics—oh my! Avoid these lender red flags.

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When Can a Credit Card Issuer Change My Interest Rate
When Can a Credit Card Issuer Change My Interest Rate?

November 25, 2025

Credit card issuers can raise your interest rate, but there are rules they need to follow. Find out more.

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Debt Consolidation
How Does Debt Consolidation Work?

November 28, 2025

Whatever your situation, debt consolidation may be worth considering. Find out if it fits your needs.

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How to avoid common pitfalls in debt settlement
How to Avoid 8 Common Debt Settlement Pitfalls

December 8, 2025

Understanding and preparing for these debt settlement pitfalls can save you a lot of stress.

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11 creative ways to save for emergencies when you're broke
11 Creative Ways to Save for Emergencies When You’re Broke

December 17, 2025

Being broke could make you a super-saver who builds wealth. Here’s how to save when you don’t have any to spare.

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How to save the most money when consolidating debt
How to Save the Most Money When Consolidating Debt

December 2, 2025

Debt consolidation could help you pay down what you owe faster and potentially keep more money in your pocket.

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47% of Graduates Say Student Loan Debt Affects Mental Health
How Does Student Loan Debt Affect Mental Health?

December 8, 2025

Student loan debt got you down? Don’t despair—there are ways to get ahead of what you owe.

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6 Fun Ways to Stay Motivated on Your Debt Payoff Journey
6 Fun Ways to Stay Motivated on Your Debt Payoff Journey

December 2, 2025

Making debt payoff fun could help you stay motivated to say goodbye to your creditors for good.

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5 Financial Choices That Cost You More Than You Think
5 Financial Choices That Cost You More Than You Think—and How to Change Them

December 13, 2025

Small choices could cost a lot. Find out which financial habits you might want to leave behind.

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