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.

Will a Dealership Really Pay Off My Car Loan?
Will a Dealership Really Pay Off My Car Loan?

April 2, 2026

Calculate whether a dealership offer would cover your current loan or hand you higher monthly payments.

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What Happens if My Car Is Repossessed?
What Happens if My Car Is Repossessed?

April 2, 2026

Having a car repossessed could impact your credit and most of your life. Learn the steps to avoid losing your vehicle.

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Settling a Car Loan: Is It Possible?
Settling a Car Loan: Is It Possible?

April 2, 2026

Can't afford your auto loan? Settlement may be tempting, but it's rarely an option. Here's why—and what to do instead.

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How Does a HELOC Work?
How Does a HELOC Work?

April 2, 2026

A home equity line of credit (HELOC) may be a good way to fund debt payoff, home improvements, and more. Find out how it works.

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Credit Card Interest Rate Cap: What It Could Mean for Your Debt
Credit Card Interest Rate Cap: What It Could Mean for Your Debt

April 3, 2026

The president wants 10% APR on credit cards. Banks say no. Here’s what a credit card interest cap could really mean.

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Is High Credit Utilization Bad?
Is High Credit Utilization Bad?

April 3, 2026

Using a lot of your available credit? It could be affecting your credit scores and ability to borrow. Here's what to do.

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What Happens if You Stop Paying Your Credit Cards
What Happens if You Stop Paying Your Credit Cards?

April 3, 2026

Can’t make your credit card payment? Learn what to expect and what moves to make.

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How I Paid Off My Student Loans: Money Moves That Worked
How I Paid Off My Student Loans: Money Moves That Worked

April 3, 2026

Want to pay off your student loan debt faster? Here’s how I paid off student loans, and which money moves helped most.

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How Often Can Debt Collectors Call You?
How Often Can Debt Collectors Call You?

April 3, 2026

Debt collectors can call often—but not endlessly. Learn the rules about how often they’re allowed to call.

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Should I Settle My Credit Card Debt? Here’s How to Decide
Should I Settle My Credit Card Debt? Here’s How to Decide

April 3, 2026

Falling behind on credit cards? Debt relief isn’t a failure—it could be your way forward.

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