This calculator shows you how to accelerate your debt payoff. Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full.

Take this interactive online course to improve your understanding of how to use credit.

Debt should be incurred with caution. Yet there are ways to take advantage of your available credit to enjoy a purchase, make an investment, or take care of an emergency. Here is a guide to finding out which form of borrowing will best suit your needs and some pointers on finding the lowest-cost loan available.

Your Credit Report is crucial to you ability to get credit. Get expert advice on how to manage your credit report.

Obtain a free credit report.

Expert advice on how to choose a credit card.

Get answers to common credit card questions.

Find the best repayment options to pay off your credit card balance.

Using your credit cards wisely is largely a matter of being informed — e.g., how much your card company is charging you for credit — and by following some simple tips for using the card.

Answers to credit rating questions.

Get answers to questions about your credit report.

Tips and expert advice on dealing with debt problems.

Get a free credit report.

Things to consider when you're thinking of a loan.

Feeling overextended? Get tips on how to improve your credit situation.

Have questions about your loans? Get answers here.

Many merchants engraft their own rules to your use of a credit card, usually without the right to do so. What are you required to do and what can you rightfully refuse to do? The Financial Guide explains your rights.

This calculator helps you determine whether debt consolidation is right for you.

This calculator applies two simple principles to paying off your credit card debt.

Federal law grants consumers several rights relating to their credit card transactions, against the card companies and in the case of a dispute with a merchant. This Financial Guide discusses these important rights in depth.