Guides & Insights
In-depth articles to help you make better financial decisions — backed by the same math our calculators use.
Car Loans Are the Quiet Crisis of 2026: A Record $767 Payment, 32-Year-High Delinquencies, and the Trap of Rolling Debt Into Your Next Ride
Americans now owe a record $1.68 trillion on their cars, the average new-car payment hit an all-time-high $767 a month, and subprime borrowers are falling behind at the worst rate since 1994. Nearly a third of trade-ins are underwater. Here's what's driving the squeeze — and the concrete moves to keep your car loan from sinking your budget.
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The SAVE Plan Is Dead: Your 90-Day Window to Reset Student Loan Payments Starts July 1
A federal court killed the SAVE plan, and on July 1 servicers begin a 90-day countdown for roughly 7.5 million borrowers to choose a new repayment plan — or get dropped into one for you. Here's the step-by-step to protect your monthly payment.
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Finance or Pay Cash for a Car? The Real Math
A low interest rate doesn't always mean financing is the smart choice. Here's how to run the actual numbers for your situation.
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Personal Loans: When They Help and When They're a Trap
Personal loans can be powerful debt consolidation tools — or expensive mistakes. The difference is in the rate and what you do with the money.
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Loan Term vs Interest Rate: Which Matters More for Your Total Cost?
A lower rate or a shorter term — when you can only optimize one, which saves more money? The answer might surprise you.
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