Reflections while paying my student loan bill

So I am paying the bill for my student loan from 2002 and I am thinking about what I learned during that time. ...more

Millennials and the Student Debt Drag

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Charisse Conanan and Adrissha Wimberly Are Changing How Millennials View Personal Finance

One of the hottest topics this election season is about student loans and student debt. According to the U.S. Consumer Financial Protection Bureau, student loan debt recently topped 1 trillion (yes, trillion) dollars by the end of this year. And while there's plenty of financial self-help books (Suze Orman's The Money Book for The Young, Fabulous, and Broke comes to mind), few financial tools are targeted to a generation that consumes information in a more tech-centric way. ...more
Here’s a quote to hold on to: Of your life's journey, don't seek permission. This kind of ...more

Romney's Solution for Rising Student Loan Interest Rates? Borrow from Your Parents.

Originally posted on www.moderndaypearls.com....more

Student Loans & Politics: Are You Still Paying Yours?

When my husband and I got married, we married each other and we married each other's debt. I think we had something like $28k in student loans from my husband when we got together, which we started paying off immediately. Those were the good old days before mortgage and a kid, and we were fortunate to have jobs that paid damn close to what we make combined now, eek, ten years later. If we had to pay those loans off now on top of childcare and all the stuff that comes with rising utilities and food costs and house repairs, we would be in serious trouble. Even back then when everything was (relatively speaking) flush, I lived in fear of being in default of those loans, because what would that do to our credit rating and our ability to buy a house or a car or get a job in the future? Messing with your government loans is serious business: the government can seize your tax returns, garnish your wages and more. ...more
 @jessicasalamon I was one of the fortunate to be paid to attend undergrad through PELL, SEOG, ...more

Young Adults Empowered by Debt? Really?

A new study out of Ohio State University this week suggests that I am not like young adults today in my reaction to debt. The findings ask me to believe that rather than feeling burdened and nervous about sizable debt, people between the ages of 18-27 are actually empowered by owing money for things like credit card bills and student loans. (Yes, I have those, too.)...more

I believe when one starts working early in their lives, they are much much more responsible with ...more

What Now?

My name is Emma, and I'm in debt....more

Student Loans: The Silent Killer

Being a young single mom I always knew I had to work harder than most to make the best future for myself and my daughter. When she was just 2 months old, and I 16, I started going to school full time. I graduated in 2003 with my Associates degree in General Arts. Quickly after that I enrolled in a private university for my Bachelor’s in Electronics Engineering Technology....more

5 Fixed Expenses: Keep Them Low for Financial Flexibility

Keeping your fixed expenses low is the quickest and most sustainable way to live within your means, save for big-ticket items such as retirement and college tuitions, and prepare for financial emergencies. What are fixed expenses? ...more

Good advice--I've often wondered if our cell phone plan is worth it; especially because I only ...more