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These days, almost everyone has debt. Owing money has become an almost inevitable part of adulthood. One of the reasons is that being in debt is incredibly common now. Many of us don’t even pay much attention to it anymore. Our credit card bills get paid right along with electricity and transportation. We don’t save to buy something, rather we buy it on credit and pay it off for a fee known as interest.
When asked, more than 70% of people would say that they would not be in debt if they only had more money, but this is the answer by most regardless of income. So if most of us have debt regardless of income, we have to consider that debt is not actually the product of a money problem, but rather, debt is the product of a spending problem.
Student loans account for over $1 trillion in debt in America. If you are struggling with student loan debt, know that you are not alone, and there is help – Real Student Loan Help! There are resources available to help you consolidate and or refinance your existing federal and private student loan debts. Factors taken into consideration are vast, from income and household size, to loan amounts and loan terms. A Credilife™ Student Loan Specialist will help you to identify the options that are available to you on a federal or private level based on an analysis of your current situation. Unique to the Real Student Loan Help service is the emphasis on the impact each decision may have on your short and long term goals, rather than limiting the decision to a short-sighted focus on immediate financial relief.
Personal finance isn’t required curriculum in high school or college. This results in many of us floundering through life without a good foundation for the management of our personal finances. Fortunately, the subject isn’t complicated. A willingness to learn and a small investment of time and energy, is all anyone needs to become fluent and knowledgeable on the topic of money. The payback on this small amount of time and energy is priceless. Money challenges are a major source of stress for most adults. You can avoid these challenges by taking action. That’s why at Credilife® we are driven by a passion to inspire financial wellness.