If you’ve ever felt tempted to close a credit card because the balance stresses you out, you’re not alone. Many people assume shutting the card down will bring relief or stop the balance from growing. But closing a credit card that still carries debt can have effects you may not expect.   Before making that decision, it helps to understand the potential impact and […]

Student loan forgiveness has become one of the biggest financial and political debates in recent years. With millions of borrowers struggling to repay education debt, governments and institutions are exploring forgiveness programs to ease the burden. But the question remains: Is student loan forgiveness a moral hazard that encourages irresponsible borrowing, or is it a […]

Retirement is supposed to be a peaceful stage of life, a time to relax, enjoy family and live without financial stress. But for many people today, retirement comes with a heavy burden: debt. Rising expenses, medical bills and limited savings have created a reality where Social Security alone is not enough to survive. When debt […]