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.

Balance Transfer vs. Consolidation Loan
Balance Transfer vs. Consolidation Loan

March 14, 2026

Looking for a way to manage multiple debts? Here’s how a balance transfer or consolidation loan could help.

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10 Ways to Clean Up Your Finances
10 Ways to Clean Up Your Finances

March 14, 2026

Start the year off right with our 10 favorite money tips, from maxing out your…

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Can You Inherit Credit Card Debt?
Can You Inherit Credit Card Debt?

March 14, 2026

It’s possible to inherit someone else’s credit card debt. Find out if any of the reasons might apply to you.

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Reducing Expenses During a Sudden Financial Hardship
Reducing Expenses During a Sudden Financial Hardship

March 14, 2026

Struggling to keep up with your debt payments? A financial hardship assistance program could be just what you need.

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Debt Relief vs. Personal Loan
Debt Relief vs. Personal Loan

March 13, 2026

What's the better debt-buster? A personal loan or professional debt relief? Make the right choice for your situation.

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Debt Consolidation Without a Loan
Debt Consolidation Without a Loan

March 13, 2026

You can bundle and streamline debt payments without a debt consolidation loan. Here's how it’s done.

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FDR article counseling ar-min
Credit Card Counseling Pros and Cons: A Complete Analysis for 2025

March 15, 2026

Credit counselors can help a lot, but they have their limits. Learn the credit counseling pros and cons in our guide.

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5 Smart Ways to Spend Your 2020 Tax Refund
5 Smart Ways to Spend Your Tax Refund

March 15, 2026

There are so many things you can do with a tax refund, but what should…

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The Credit Card Sign Up Bonus: Too Good to Be True?
The Credit Card Sign-Up Bonus: Worth It?

March 15, 2026

Free money, or a way to lure you deeper into debt? Here is what you…

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Is Student Loan Debt Forgiveness Coming?
Is Student Loan Debt Forgiveness Coming?

March 15, 2026

Student loan forgiveness isn't guaranteed. Find out how to cope with student debt.

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