Traditional Lenders vs. Earnest: How We Broke the Mold

To look at the history of borrowing in America — for cars, houses, and more — is not only a lesson in economics but also a lesson in psychology. “Debt” used to be a stigmatized four-letter word, says Cornell professor Louis Hyman, author of Borrow: The American Way of Debt. That’s changing in today’s world. Finding a responsible … Read more

Here’s how to refinance student loans

When you refinance student loans, you can save money by replacing existing education debt with a new, lower-cost loan through a private lender. To qualify, you’ll need: You can refinance both federal loans and private loans. It doesn’t cost anything to refinance student loans, and you may be able to reduce your monthly payment or … Read more

Student loan forgiveness

This page will help you navigate federal student loan forgiveness options and one-time federal cancellation, and help you answer questions about whether you qualify or how to apply. These benefits are only available on federal student loans. Learn more about:  Keep an eye out for scammers. You might be contacted by a company saying they will … Read more

Biden-Harris Administration Continues Efforts to Provide Debt Relief for More Student Loan Borrowers

U.S. Department of Education releases draft regulatory text that would provide much-needed debt relief to borrowers across the country OCTOBER 30, 2023 The Biden-Harris Administration today continued its critical efforts to deliver student debt relief to as many borrowers as possible through negotiated rulemaking under the Higher Education Act by releasing draft regulatory text for … Read more

The Biden-Harris Administration’s Student Debt Relief Plan Explained

The Supreme Court issued a decision blocking us from moving forward with our one-time student debt relief plan. The information below is not up to date. Visit to learn more about the actions President Biden announced following the decision and find out how this decision impacts you. What the program means for you, and what comes next   … Read more

Can I pay for a car with a credit card?

You may be able to fund the big-ticket purchase of a new car by simply swiping your credit card, but Select points out some pros, cons and strategies to consider before going full speed ahead. Getty Images Terms apply to American Express benefits and offers. Visit to learn more. Purchasing a car is a big commitment … Read more

American Express Personal Loans: 2024 Review

American Express offers preapproved cardholders a no-frills personal loan with funding within one week. Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our … Read more