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.

After The Holidays: Hardcore Ways to Get Your Budget Back on Track
After the Holidays: Hardcore Ways to Get Your Budget Back on Track

January 29, 2026

You can recover from holiday overspending and ditch your debt. Find out how to get your budget back on track.

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Credit card debt forgiveness for disabled
Credit Card Debt Forgiveness for Disabled Individuals: Complete Guide [2025]

February 1, 2026

There’s a good chance your disability income is safe from creditors, even if they win a judgment against you.

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Who Really Pays for COBRA?
Who Really Pays for COBRA?

January 29, 2026

Changing jobs? You might get COBRA health insurance. But it can be costly. Learn more about who pays for COBRA coverage.

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The 3 Most Unexpected Costs of Owning a Home
The 3 Most Unexpected Costs of Owning a Home

January 27, 2026

We asked over 1,000 homeowners to tell us about the three most unexpected costs of…

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5 Tips for Talking to Your Partner about Debt
How Couples Get Out of Debt

January 27, 2026

Tackling debt together could help you financially—and in communicating as a couple. Read on for tips.

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How to Manage Student Loan Debt
How to Manage Student Loan Debt

January 27, 2026

Student loans can be a lot to manage, but you’ve got choices. Learn clear steps to pay less and stress less.

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Can you cancel a debt settlement contract?
Can You Cancel a Debt Settlement Contract?

January 27, 2026

A reputable debt relief company won't give you a hard time about canceling. Here’s what to do.

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How to plan for financial emergencies while paying off debt
How to Plan for Financial Emergencies While Paying Off Debt

January 27, 2026

Budget, save a little, and pay down a little, and you can eventually be debt-free and ready for emergencies.

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Should you pay off debt or save for retirement first?
Should You Pay Off Debt or Save for Retirement First?

January 27, 2026

You want to pay off debt, but you also want to retire someday. Learn how you could do both.

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Which debt should I pay off first?
Which Debt Should I Pay Off First?

January 27, 2026

A road trip starts with figuring out the route, and the same is true for your debt payoff journey.

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