Articles by Michael Kitchen
The Complete Guide to Federal Student Loans
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For students who need to fund their college education, federal student loans are more advantageous than private student loans. The reasons include lower interest rates,... read more
What is a Credit Freeze and How Is It Done?
November 17, 2022
A credit freeze makes your credit report inaccessible to lenders, which can help prevent identity theft. Even if a criminal has pertinent information, such as... read more
4 Important Reasons to Avoid Early Decision If You Need Financial Aid
November 11, 2022
Although applying early decision (ED) lets you learn about your admissions decision early, it comes with a catch: If you’re accepted, you must attend the... read more
What is Credit Fraud?
November 9, 2022
Credit fraud is when someone steals one of your existing credit card accounts or uses your personal info to open a fake account in your... read more
What is the Best Credit Utilization Ratio?
November 2, 2022
Your credit utilization ratio is a number showing how much available credit you’re currently using. It plays a significant role in determining your overall credit... read more