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.

8 Questions to Ask Yourself Before Refinancing a Student Loan
8 Questions to Ask Yourself Before Refinancing a Student Loan

October 23, 2026

Looking to refinance an old student loan with a new one? Ask yourself these eight vital questions first.

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What Is VantageScore
What Is VantageScore?

October 30, 2026

Lenders are looking at VantageScores more than ever before. Here’s what you need to know.

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Ways to Get Help With Vet Bills
5 Ways to Get Help With Vet Bills

October 30, 2026

Vet bills can break the bank, but there are ways to get help paying for pet care.

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What Is Envelope Budgeting
What Is Envelope Budgeting?

October 30, 2026

Envelope budgeting could make managing your finances a lot easier. Here's how to get started.

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Is Credit Card Debt Settlement Worth the Credit Score Hit?
Is Credit Card Debt Settlement Worth the Credit Score Hit?

October 26, 2026

Debt settlement could be the right financial move, even if your credit score drops along the way.

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How to Budget as a College Student
How to Budget as a College Student

October 26, 2026

To make the most of your money when you’re a college student, you need a budget. Here’s how to set one up.

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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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Can a Credit Card Company Sue You
Can a Credit Card Company Sue You?

March 14, 2026

Creditors might sue you if they're out of options. Here's what to do if you get sued.

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The Statute of Limitations on Debt Has Passed. Now What?
The Statute of Limitations on Debt Has Passed. Now What?

October 30, 2026

The end of the statute of limitations could be a game-changer for your debt. Here’s how to handle it.

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Common Tax-Filing Mistakes
Common Tax-Filing Mistakes and How to Reduce the Chance of Making One

October 30, 2026

Tax returns are often complicated. Learn about some common mistakes—and how to avoid them.

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