Federal Direct Consolidation combines federal student loans into one loan with a weighted-average fixed rate and up to a 30-year term. Nelnet may service consolidated loans, but private loans cannot be rolled into a federal consolidation - private refinance is a separate product.
Vacant (bare) land can be an affordable entry to homebuilding or long-term holding, but lenders view it as higher risk. Learn what affects approval, typical loan structures, and steps to prepare.
A cash-out refinance replaces your mortgage with a larger loan to access equity as cash. It can lower monthly payments, consolidate debt, or fund home improvements - but it raises your loan balance, may have higher rates and closing costs, and has tax and PMI implications.
If debt feels overwhelming in Denver, consumer credit counseling can help with budgeting, debt management plans, and referrals. Seek accredited, transparent counselors early to preserve options and avoid costly mistakes.
Payday loans are short-term cash advances due on your next paycheck. They fund urgent needs quickly but carry high fees and rollover risks. Consider lower-cost alternatives when possible.
Businesses with poor credit can still access funding through higher-cost loans, collateralized financing, equity deals, and alternative lenders. Compare costs, understand risks like personal guarantees, and plan to improve credit to refinance later.
Short-term payday-style loans that don't require a checking account can help in a pinch, but they often cost a lot. Learn how these options work, their risks, and safer alternatives in 2025.
Practical, updated guidance for getting investment property financing: understand LTV and product choices, prepare documents, compare full costs, and use specialist advisors.
An updated guide to USDA Farm Service Agency ownership and operating loans for beginning farmers. Learn who qualifies, what the loans can fund, priority sales of FSA-owned property, and how to apply.
Reconsolidation combines multiple student loans into one payment. It can simplify finances and lower monthly bills, but may cost protections like federal repayment plans or forgiveness.
Using paid ads to jump-start affiliate income still works - but today you must manage tracking, platform rules, and funding risks. Avoid high-interest short-term loans and test with small budgets first.
Updated guide to using home equity in Texas: define equity, compare home equity loans and HELOCs, outline uses, tax rules, risks, and Texas-specific cautions.
Use a debt-consolidation calculator to compare options, estimate savings, and decide whether combining debts will lower interest or simply spread payments over a longer term.