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.

The True Cost of Helping Your Kid Pay for College
17% of Parents Dipped Into Retirement Savings to Pay for Their Kids' College. Here's How to Avoid That Mistake

July 24, 2026

Most families are willing to stretch their finances to pay for college. Here are our tips.

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Survey: How Americans Spend Their Tax Refunds
Survey: How Americans Spend Their Tax Refunds

March 16, 2026

Freedom Debt Relief surveyed over 2,000 how they were planning to use their tax refund,…

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Open Enrollment 2021: Should You Change Health Insurance in a Pandemic?
Should You Change Health Insurance?

March 16, 2026

There are some good reasons to change health insurance plans. Explore…

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Income-Driven Repayment Is Changing Under Trump
Income-Driven Repayment Is Changing Under Trump

May 2, 2026

Have federal student loans? Check out the upcoming changes to income-driven repayment plans.

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What if I Can't Pay My Taxes?
What if I Can't Pay My Taxes?

May 2, 2026

Making a lump-sum payment isn't the only way to handle your taxes. Check out these other repayment options.

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What Happens If You Don't Pay Collections
What Happens If You Don't Pay Collections?

May 2, 2026

Debt in collections doesn't just disappear if you ignore it. Here are some of the potential consequences—and what to do.

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Money Myths That Are Keeping You in Debt
Money Myths That Are Keeping You in Debt

May 2, 2026

Find out about some of the most pervasive money myths that get people stuck in debt.

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Can a Bank Sue You for an Overdraft Balance?
Can a Bank Sue You for an Overdraft Balance?

April 3, 2026

Sued for an overdraft balance? You have options, and you'll be okay. Here's what to do next.

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Does Paying the Minimum Payment Hurt Your Credit Score?
Does Paying the Minimum Payment Hurt Your Credit Score?

October 23, 2026

Minimum credit card payments mean more interest could impact your credit score. Find out why your payments matter.

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