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Your Money, Your Future
 Money & Credit   

Money matters. And using tried and true strategies for dealing with money — or the lack of it — can make a big difference to your present and your future. Whether you are saving, spending, or borrowing money, this is information you can’t afford to overlook.
Free Credit Score & Loans

Free credit scores, monitoring and analysis, Free loan analysis & personalized recommendations, Free Identity protection & insurance.

Buying & Owning a Car
Having a car can be an expensive proposition. Read tips on buying vs. leasing, negotiating the best deal, financing, getting the most out of warranties and service contracts, using gas efficiently, and avoiding repossession.

Decisions about credit and loans involve lots of factors, including how much money you need, what terms you’re offered, and who is behind the offer. If you are choosing a credit card or wondering whether offers of credit and loans are on the up and up, these tips can help.

Debt collection, debt management, debt relief, debt settlement... Debt is a four-letter word that’s the subject of some complex laws. Learn how to exercise your rights under the Fair Debt Collection Practices Act — and how to recognize debt-related scams and frauds.

Things don’t always go right. Sometimes you don’t get what you ordered; sometimes you get an item of the blue. What are your obligations? And by the way, are there advantages to using any particular method of payment in terms of consumer protections?

Realistic budgeting is the key to maintaining a financial safety net and spending wisely. Whether you’re shopping for things you buy routinely — or saving for that occasional big ticket item — planning is key. These shopping tips can help you save money on everyday purchases, as well as on some products and services you buy once in a while.

 Budgeting   
  • Budgeting Worksheet  
    Use this worksheet to see how much money you spend this month. Then, use this month's information to help you plan next month's budget.
     
  • Savings Fitness 
    A guide to your money and your financial future.
 Calculators   
  • Budget Calculator - 
    Budget calculator will help you determine your expenses and estimate your total available income. You will need to consider all of your resources and the total cost of your education. The budget calculator lists most of the important expenses and resources: tuition, books, and scholarships, for example.
     
  • College Savings & Financial Resources -
    An array of resources for students and their families with tools and information to help make informed decisions about saving, paying, or financing their higher education. This list was compiled by members of the Postsecondary Subcommittee of the Financial Literacy and Education Commission (FLEC), and offers free resources from federal agencies.
     
  • IRS Tax Withholding Calculator - 
    If you are an employee, the Withholding Calculator can help you determine whether you need to give your employer a new Form W-4, Employee's Withholding Allowance Certificate to avoid having too much or too little Federal income tax withheld from your pay. You can use your results from the calculator to help fill out the form.
     
  • Savings Calculator - 
    Simple on-line tool to help determine the amount you'll need to save regularly to reach a savings goal in time for your needs.
  • Auto Loan Payment - 
    Estimate your monthly car payments based on the price of the car. Changing the terms, cash down, and trade-in information will allow you to see how your payments will go up or down.
     
  • Debt Calculator - 
    Determine how long it will take to pay off your debt based on different monthly payment scenarios.
     
  • Education Loan Repayment Plans and Calculators - 
    Find information about repaying federal student loans including the new Income Based Repayment Plan, other repayment plans, loan deferments, servicing, consolidation, forgiveness, budgeting, and more. This website also includes on-line calculators to help you determine payment options.
     
  • Debt Payoff - 
    Simple tool to help you determine how long it will take to pay off your debt based on different monthly payment scenarios.
     
  • Monthly Payment - 
    Simple on-line tool to help determine the monthly payments to pay-off a debt or loan.
     
  • Step-by-Step Social Security Retirement Benefits Planner - 
    Provides a wide variety of information on Social Security retirement benefits: discussion of credits needed for benefit eligibility, benefit calculators for estimating benefit levels, questions to ask before applying for benefits, and a guide on how to apply for benefits.
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