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Richard Barrington

Contributing Author

Richard Barrington has over 20 years of experience in the investment management business and has been a financial writer for 15 years. Barrington has appeared on Fox Business News and NPR, and has been quoted by the Wall Street Journal, the New York Times, USA Today, CNBC and many other publications. Prior to beginning his investment career Barrington graduated magna cum laude from St. John Fisher College with a BA in Communications in 1983. In 1991, he earned the Chartered Financial Analyst (CFA) designation from the Association of Investment Management and Research (now the "CFA Institute").

How to Use Your Home Equity to Pay Off Student Loans
How to Use Your Home Equity to Pay Off Student Loans

March 18, 2026

If your home equity looks like a good way to refinance your student loan debt, here’s what to know first.

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 Is a Credit Card Secured or Unsecured Deb
Is a Credit Card Secured or Unsecured Debt?

April 18, 2026

Not sure whether a secured or unsecured card is right for you? Here’s how to make the right choice.

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How Do You Remove a Delinquent Student Loan from Your Credit Reports?
How Do You Remove a Delinquent Student Loan from Your Credit Reports?

April 1, 2026

You can correct at least some kinds of credit report damage from missed student loan payments. Here’s how.

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Is High Credit Utilization Bad?
Is High Credit Utilization Bad?

April 3, 2026

Using a lot of your available credit? It could be affecting your credit scores and ability to borrow. Here's what to do.

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Does a BNPL Loan Show Up on Your Credit Reports?
Does a BNPL Loan Show Up on Your Credit Reports?

April 13, 2026

BNPL loans are now included in some credit scores; see how this could impact you.

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Can I Take a Hardship Withdrawal for Credit Card Debt?
Can I Take a Hardship Withdrawal for Credit Card Debt?

April 18, 2026

No need to take a hardship withdrawal or 401(k) loan to pay off credit card debt. We’ll show you proven debt strategies.

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7 Steps to Prepare For the Debt Settlement Process
7 Steps to Prepare For the Debt Settlement Process

June 4, 2026

Getting ready for the debt settlement process? Find tips for success here.

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How Depression Might Affect Spending and Debt
How Depression Affects Debt and Spending

June 4, 2026

Depression can make it harder to do even simple financial tasks. Here are some tips…

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

June 11, 2026

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

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

June 11, 2026

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

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