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.

Can You Fall Behind With a High Credit Score?
Can You Fall Behind With a High Credit Score?

March 12, 2026

People with high credit scores are falling behind on credit card payments. Here’s what it means, and how to handle it.

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How to get out of credit card debt without ruining your credit
How to Stop Paying Credit Cards Legally: Your Complete Guide to Debt Relief Options [2025]

March 12, 2026

Getting rid of credit card debt without paying anything is very rare, but you might be able to repay less than the full amount. Our expert explains.

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What Is the Average Credit Card Balance in the U.S.
What Is the Average Credit Card Balance in the U.S.?

March 12, 2026

Five-figure credit card debt is common. Find out what you could do about it.

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How to Build Credit as a College Student
How to Build Credit as a College Student

March 12, 2026

The ability to be invisible may work for superheroes, but it's not great for personal finances. Here's how to be seen.

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Credit Card Debt Relief
Tips for Choosing a Debt Relief Company

March 13, 2026

In need of debt relief? Try these tips to choose the right company to help you get rid of your debt.

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Signs You're Feeling Financial Trauma
3 Signs You’re Feeling Financial Trauma—and What to Do About it

March 13, 2026

Many people have experienced financial trauma. Healing is possible, for a better financial future.

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Debt Consolidation
How Does Debt Consolidation Work?

March 13, 2026

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

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Who Qualifies for Debt Settlement or Consolidation Programs?
Who Qualifies for Debt Settlement or Consolidation Programs?

March 13, 2026

If your debt feels unmanageable, debt settlement or consolidation could help. Here’s who qualifies and how to choose.

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3 Things Active Military Should Know about Debt and Finances
8 Things Active-Duty Military Should Know About Debt and Finances

March 13, 2026

Debt is common, whether you’re in the military or not. But military members have some great ways to get help.

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When Can You Use a Credit Card Forbearance Program?
Credit Card Forbearance: Your Complete Guide to Pausing Payments in 2025

March 13, 2026

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

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