Managing Debt

Surviving Student Loan Debt

Surviving Student Loan Debt

Student loans may be a necessity for finishing college, but they can be crippling for a young adult fresh out of school. Let’s look at some ways for graduates to survive student loan debt. Student loan debt has now crossed the trillion-dollar mark, leaving more people... read more
Credit Forgiveness Programs

Credit Forgiveness Programs

Credit forgiveness programs sound pretty simple, but they often come with consequences that catch people off guard. Understanding what credit forgiveness entails will help you make an informed decision when trying to tackle debt. What is Credit Forgiveness?... read more
Is Debt Consolidation A Good Idea?

Is Debt Consolidation A Good Idea?

What Is Debt Consolidation? As of 2018, nearly 80% of Americans, across all generational demographics, carry some type of debt. Whether that debt comes from student loans, mortgages, credit card debt, auto loans or medical debt, more Americans are looking for ways to... read more

6 Ways to Find Financial Help if You Lose Your Job

Resources for the Unemployed Losing your job can be stressful and frightening, even if you were expecting it to happen. Being without work for even a short length of time when already in debt can have devastating effects on your financial situation. Fortunately,... read more
Life After Bankruptcy

Life After Bankruptcy

Financial difficulties can have a dramatic effect on our lives. Find out how to understand the impact of bankruptcy and move forward with life after declaring bankruptcy. Understanding the Impacts of Bankruptcy Filing for bankruptcy is a big decision for you and your... read more
4 Signs You Need to Call a Credit Counselor Before It’s Too Late

4 Signs You Need to Call a Credit Counselor Before It’s Too Late

Are you worried you may need help? Here are a few warning signs that might just confirm that fear. Fear of the Calendar At the end of the money, is there more month that you can afford? Many people struggling with debt are spending more than they bring home each... read more
Minimalism For People in Debt

Minimalism For People in Debt

Whether you’ve accrued debt due to living beyond your means or as a result of a medical or other emergency, looking at your spending habits is a good way of beginning the journey to both paying down debt and being free of debt for good. We know that having a debt payoff plan is the most beneficial tool for attacking your debt.

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What People Who Are Debt-Free Do Differently

What People Who Are Debt-Free Do Differently

In our busy lives it is easy to not pay attention to our spending with the possible result that we find ourselves with lots of things and a lot of accompanying debt. Paying down debt is important in its own right, but while you are learning how to save money to pay down your debt, it might be just as important to learn how to live in such a way that you are not adding to your debt as you pay it off, and that you aren’t waiting until the day your debt is paid down to make large, unnecessary purchases that land you in debt again.

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Do I Need a Second Job?

Do I Need a Second Job?

When money is really tight, there isn’t much wiggle room in your budget, or you just want to pay down debt as fast as possible, it’s tempting to just decide to get a second job to fix your debt problems. A second income can seem like the perfect way to earn more money to reach your financial goals sooner, but there can often be hidden concerns that come with having a second job. There are many things to consider when deciding to get a second job. Making sure you’ve thought through these issues for yourself is paramount in whether or not a second job is right for you to help pay down or get out of debt.

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How Much Does it Cost to Withdraw from 401(k)?

How Much Does it Cost to Withdraw from 401(k)?

Financial hardships can come out of nowhere: an unforeseen medical emergency, a natural disaster, an unexpected house repair, or loss of a job can jostle even those most well-prepared financially. During this setback, it may be tempting to dip into your retirement savings.

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Used vs. New: Buying the Right Car for Your Finances

When you’re in the market for your next car or truck, the salesmen and the showrooms can seem like pretty intimidating places. Whether you’re better off with a new car or selecting a used or “pre-owned” vehicle depends upon a number of factors, and there isn’t one... read more

3 Strategies for Dealing with Holiday Debt

  The holiday season is a festive time of year filled with valuable family time and an endless supply of unforgettable memories. For many, these feelings of seasonal happiness may have caused you to lose control of your holiday spending. There is nothing to be... read more

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Learn how much you can save

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By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply.

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Certified Credit Counselors are available Monday - Thursday 8:00 am - 10:00 pm Eastern, Friday 8:00 am - 9:00 pm Eastern, Saturday 10:00 am - 6:00 pm Eastern.

Also See…

For more information on debt consolidation, please visit:

Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.

The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).

Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.