Author name: Real Money Habits Research Desk

Student loans affect 43 million Americans and can feel impossible to escape. Here are the most effective repayment strategies — from income-driven plans to refinancing to aggressive payoff — so you can choose the right approach and get out of debt faster.

Your credit report is one of the most important financial documents in your life — yet most people have never read one. Here’s a complete walkthrough of every section, what to look for, how to spot errors, and how to dispute mistakes that are hurting your score.