Debt & Loans

Dealers usually make you choose between 0% APR and a cash rebate. Two worked examples show where the break-even point sits and when taking the rebate is the better deal.

Three ways to consolidate debt compared on rates, fees, credit needs and risk. Your balance, credit score and willingness to use your home as collateral matter more than the headline rate.

The avalanche method always costs less in interest, but behavioral research shows the snowball method is often more likely to be finished. A worked example and the studies behind both.

SAVE was vacated on March 10, 2026, and RAP and the Tiered Standard Plan launched on July 1. What changed for borrowers, plus a tax exemption that quietly expired.