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.

Couple with student debt
Do Student Loans Affect My Credit Score?

March 20, 2026

Student loans could have an impact on your credit score for better and worse. Here’s the scoop.

Read more
10 Warning Signs of Financial Trouble
Warning Signs of Financial Trouble

March 20, 2026

Are you headed toward financial trouble? Read on to be aware and stop the bleeding.

Read more
How to Settle Credit Card Debt When Lawsuit Has Been Filed
Can You Settle Credit Card Debt After Being Served? Complete Guide 2025

March 20, 2026

Yes, you can settle credit card debt after being served—find out how.

Read more
Credit Card Debt Lawyer
Getting a Lawyer for Credit Card Debt: Fees and When It’s Worth It

March 20, 2026

Debt lawyers specialize in law concerning the collection of debt. If you loan money to someone, you may use a debt lawyer to file a lawsuit to collect it.

Read more
Debt Settlement vs. Debt Consolidation
Debt Relief vs. Debt Consolidation: Pros and Cons

March 20, 2026

Change HOW you pay with debt consolidation, and how MUCH you pay with debt settlement. Learn the pros and cons here.

Read more
What to Do When Your Spouse Loses Their Job
What to Do When Your Spouse Loses Their Job: A Complete Guide

March 20, 2026

Losing a job could throw your spouse and finances for a loop. Here’s how to cope.

Read more
How Your Credit Score Is Determined
The Good, Fair, and Poor: How Your Credit Score Is Determined

March 20, 2026

Payment history is the biggest credit score factor. But what else figures in? Get the details you need here.

Read more
60% of Americans Aren’t Saving Enough for Retirement
60% of Americans Aren’t Saving Enough for Retirement

March 20, 2026

You may be behind on retirement savings now, but it doesn't have to be that way forever.

Read more
5 Strategies to Help Manage Small Business Debt
6 Strategies to Help Manage Small Business Debt

March 20, 2026

If your small business cash flow has taken a hit, here’s how to get strategic about small business debt reduction.

Read more
Should You Start a 529 Plan?
Should You Start a 529 Plan?

March 21, 2026

Should you start a 529 plan? A 529 plan can help you save for college…

Read more