Articles
Federal vs. Private Student Loans: What Actually Differs
Subsidized, unsubsidized and private are three different products. A private loan can match an unsubsidized one. It can never match a subsidized one.
Every debt calculator asks a question you can't answer yet
How much can you actually put toward debt each month? Here is how to find the real number from ninety days of bank statements, and the three mistakes that make it wrong.
Goodbye, Mint: What We Tried and Where We Landed
Mint shut down in March 2024. We tried YNAB and EveryDollar before landing on Monarch — the same zero-based budgeting, without categorizing every transaction by hand.
How I Paid Off $85,000 in Student Debt
I graduated owing $84,964.45, most of it private. Here are the seven things that actually moved the number, including the one I'd do differently.
Debt Snowball vs. Avalanche: What the Difference Actually Costs
The avalanche is cheaper and the snowball gets a win sooner. Here is how to find out what that trade is worth for your debts.