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                            <title><![CDATA[ Latest from Kiplinger in Loans ]]></title>
                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans</link>
        <description><![CDATA[ All the latest loans content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Sun, 17 May 2026 12:05:00 +0000</lastBuildDate>
                            <language>en</language>
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                                                            <title><![CDATA[ The Hidden Credit Report Crisis That Could Cost You Thousands ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-reports/the-hidden-credit-report-crisis-that-could-cost-you-thousands</link>
                                                                            <description>
                            <![CDATA[ Here's how to protect your credit health when no one else wants to. ]]>
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                                                                        <pubDate>Sun, 17 May 2026 12:05:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wJZLoemoyyLy4Tfj5U89Ji-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman reads surprising news]]></media:description>                                                            <media:text><![CDATA[A woman reads surprising news]]></media:text>
                                <media:title type="plain"><![CDATA[A woman reads surprising news]]></media:title>
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                                                            <title><![CDATA[ Can We Borrow From Our Elderly Father Without Telling Him? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/can-we-borrow-from-our-elderly-father-without-telling-him</link>
                                                                            <description>
                            <![CDATA[ In our retirement advice column, Wealth Wise, we answer a reader's question about whether you should take a loan from an elderly parent without them knowing. ]]>
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                                                                        <pubDate>Sun, 17 May 2026 10:05:00 +0000</pubDate>                                                                                                                                <updated>Mon, 18 May 2026 16:53:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                                                                <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/oyNi95FCft43wxzRMyPTYf-1280-80.png">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A man puts his elderly father on the back. His father is hunched over and holds a cane, but is smiling.]]></media:description>                                                            <media:text><![CDATA[A man puts his elderly father on the back. His father is hunched over and holds a cane, but is smiling.]]></media:text>
                                <media:title type="plain"><![CDATA[A man puts his elderly father on the back. His father is hunched over and holds a cane, but is smiling.]]></media:title>
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                                                            <title><![CDATA[ I'm a Financial Pro: This 5-Step Plan Can Help High Earners Pay Off Significant Student Loan Debt in 5 Years ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/tips-for-paying-off-student-loan-debt-for-high-earners</link>
                                                                            <description>
                            <![CDATA[ Being disciplined at the start of your career means you won't be carrying those financial burdens forever. ]]>
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                                                                        <pubDate>Fri, 08 May 2026 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Stephen B. Dunbar III, JD, CLU ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/aDSkcdxEd9qyBcxEWQkuji-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Young female attorney reading at desk in law library]]></media:description>                                                            <media:text><![CDATA[Young female attorney reading at desk in law library]]></media:text>
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                                                            <title><![CDATA[ We're 73 with $2.1 million. I Want to Pay Off Our Grandson's $45K Student Loan, but My Husband Says No. Who's Right? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/i-want-to-pay-off-our-grandsons-usd45k-student-loan-debt-but-my-husband-says-we-cant-afford-it-whos-right</link>
                                                                            <description>
                            <![CDATA[ We're 73, with $2.1 million and $4k a month in Social Security. My husband says we can't afford to help our grandson. Who's right? ]]>
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                                                                        <pubDate>Wed, 06 May 2026 10:05:00 +0000</pubDate>                                                                                                                                <updated>Mon, 11 May 2026 16:18:53 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                                                                <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/aBJEDS8MQpUGWNAcnq3DTi-1280-80.png">
                                                            <media:credit><![CDATA[Getty Images, with Gemini edits]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A grandson of college age sits with his grandparents at the table.]]></media:description>                                                            <media:text><![CDATA[A grandson of college age sits with his grandparents at the table.]]></media:text>
                                <media:title type="plain"><![CDATA[A grandson of college age sits with his grandparents at the table.]]></media:title>
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                                                            <title><![CDATA[ Started Pulling in the Big Bucks? If You Refinance Your Student Loan Now, Here's What You'll Miss  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/why-high-earners-should-wait-to-refinance-student-loans</link>
                                                                            <description>
                            <![CDATA[ High-earning young professionals often rush to get a better rate on student loans as soon as they're able. But it can pay to leave the options open for a while. ]]>
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                                                                        <pubDate>Tue, 05 May 2026 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sravani Atluri ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XFTgutdBmDLzWfK6eFTmve-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Money roll wearing a mortarboard graduation cap]]></media:description>                                                            <media:text><![CDATA[Money roll wearing a mortarboard graduation cap]]></media:text>
                                <media:title type="plain"><![CDATA[Money roll wearing a mortarboard graduation cap]]></media:title>
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                                                            <title><![CDATA[ What the Fed's Rate Pause Really Means for Your Money ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/the-hidden-costs-of-the-feds-rate-pause</link>
                                                                            <description>
                            <![CDATA[ The Federal Reserve didn't cut rates. While this benefits savers, learn how it impacts you when you need to borrow money. ]]>
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                                                                        <pubDate>Fri, 01 May 2026 11:10:00 +0000</pubDate>                                                                                                                                <updated>Mon, 04 May 2026 20:16:34 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[High Yield Savings Accounts]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rp7fZGkjw9rHkVxgngLVUi-1280-80.jpg">
                                                            <media:credit><![CDATA[JIM WATSON/AFP via Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[US Federal Reserve Chair Jerome Powell speaks during a press conference at the end of a Monetary Policy Committee meeting in Washington, DC, on October 29, 2025.]]></media:description>                                                            <media:text><![CDATA[US Federal Reserve Chair Jerome Powell speaks during a press conference at the end of a Monetary Policy Committee meeting in Washington, DC, on October 29, 2025.]]></media:text>
                                <media:title type="plain"><![CDATA[US Federal Reserve Chair Jerome Powell speaks during a press conference at the end of a Monetary Policy Committee meeting in Washington, DC, on October 29, 2025.]]></media:title>
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                                                            <title><![CDATA[ 3 Steps to Take With Your Credit Cards When You Start to Divorce ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/divorce-credit-cards-how-to-protect-your-credit</link>
                                                                            <description>
                            <![CDATA[ Divorce does not separate credit card debt. Here is what can follow you and how to protect your credit. ]]>
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                                                                        <pubDate>Wed, 29 Apr 2026 10:35:00 +0000</pubDate>                                                                                                                                <updated>Fri, 01 May 2026 14:23:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wRcXNPmzr36jRvD49fDsjj-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Mature couple fighting at home sitting on the sofa.]]></media:description>                                                            <media:text><![CDATA[Mature couple fighting at home sitting on the sofa.]]></media:text>
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                                                            <title><![CDATA[ Thinking About Using Your Home Equity in April? What to Know About Rates, Risks and Timing First ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-equity-loans/what-to-know-before-tapping-home-equity</link>
                                                                            <description>
                            <![CDATA[ With borrowing costs still elevated and economic uncertainty in play, tapping your home equity requires a clear plan, not just available equity. ]]>
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                                                                        <pubDate>Wed, 08 Apr 2026 11:05:00 +0000</pubDate>                                                                                                                                <updated>Thu, 09 Apr 2026 17:31:37 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Home]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Qyqgd8k6x9Ept2VG3SoGTQ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[House Model on Top of Stack of Coins ]]></media:description>                                                            <media:text><![CDATA[House Model on Top of Stack of Coins ]]></media:text>
                                <media:title type="plain"><![CDATA[House Model on Top of Stack of Coins ]]></media:title>
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                                                            <title><![CDATA[ Costco's Auto Program: Can Membership Pricing Really Save You Money on a Car? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/family-savings/costco-auto-program-how-it-works</link>
                                                                            <description>
                            <![CDATA[ Costco's Auto Program can simplify the car-buying process with prearranged pricing and member perks. Here's what to know before you use it. ]]>
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                                                                        <pubDate>Wed, 25 Feb 2026 11:50:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Used Cars]]></category>
                                                    <category><![CDATA[Car Loans]]></category>
                                                    <category><![CDATA[Cars]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YfidRP7uxRScttwzZ7LeuJ-1280-80.jpg">
                                                            <media:credit><![CDATA[SOPA Images / Contributor]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[In this photo illustration, the Costco Auto Program logo is displayed on a smartphone screen with a Costco Wholesale Corporation logo in the background. (Photo Illustration by Igor Golovniov/SOPA Images/LightRocket via Getty Images)]]></media:description>                                                            <media:text><![CDATA[In this photo illustration, the Costco Auto Program logo is displayed on a smartphone screen with a Costco Wholesale Corporation logo in the background. (Photo Illustration by Igor Golovniov/SOPA Images/LightRocket via Getty Images)]]></media:text>
                                <media:title type="plain"><![CDATA[In this photo illustration, the Costco Auto Program logo is displayed on a smartphone screen with a Costco Wholesale Corporation logo in the background. (Photo Illustration by Igor Golovniov/SOPA Images/LightRocket via Getty Images)]]></media:title>
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                                                            <title><![CDATA[ Should You Use Buy Now, Pay Later Options to Finance Your Vacation?  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/travel/should-you-use-buy-now-pay-later-options-finance-vacation</link>
                                                                            <description>
                            <![CDATA[ Many travel companies are letting users pay in installments. But is "buy now, pay later" a smart financial decision? ]]>
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                                                                        <pubDate>Tue, 30 Dec 2025 14:15:00 +0000</pubDate>                                                                                                                                <updated>Tue, 30 Dec 2025 14:20:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Travel]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Leisure]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Becca van Sambeck ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/AEkjzaV4DMUru7ddL2DH5Y-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Close-up of wooden blocks spelling BNPL placed on stacks of coins.]]></media:description>                                                            <media:text><![CDATA[Close-up of wooden blocks spelling BNPL placed on stacks of coins.]]></media:text>
                                <media:title type="plain"><![CDATA[Close-up of wooden blocks spelling BNPL placed on stacks of coins.]]></media:title>
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                                                            <title><![CDATA[ How Much Would a $50,000 HELOC Cost Per Month? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-equity-loans/how-much-does-a-heloc-cost-per-month</link>
                                                                            <description>
                            <![CDATA[ Thinking about tapping your home’s equity? Here’s what a $50,000 HELOC might cost you each month based on current rates. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Sat, 06 Dec 2025 11:10:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/dutS66QCXWVe5MDiE9ZXPT-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[The words &quot;Home equity line of credit&quot; displayed next to an icon of a house and money]]></media:description>                                                            <media:text><![CDATA[The words &quot;Home equity line of credit&quot; displayed next to an icon of a house and money]]></media:text>
                                <media:title type="plain"><![CDATA[The words &quot;Home equity line of credit&quot; displayed next to an icon of a house and money]]></media:title>
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                                                            <title><![CDATA[ Should You Tap Your Home Equity Before 2026? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-equity-loans/should-you-tap-your-home-equity-now</link>
                                                                            <description>
                            <![CDATA[ As borrowing rates and tax law shifts converge, here's what homeowners need to know before pulling equity out of their home. ]]>
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                                                                        <pubDate>Thu, 04 Dec 2025 12:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 09 Dec 2025 20:07:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5fDYkgTtWk33wDZK8g6xsb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A dollar sign and a house balancing on a scale. ]]></media:description>                                                            <media:text><![CDATA[A dollar sign and a house balancing on a scale. ]]></media:text>
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                                                            <title><![CDATA[ When an Extended Car Warranty is Worth It — and When it's Not ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/cars/when-an-extended-car-warranty-is-worth-it</link>
                                                                            <description>
                            <![CDATA[ Got the "we're trying to reach you about your car's extended warranty" call? Here's what you need to know before buying. ]]>
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                                                                        <pubDate>Wed, 12 Nov 2025 21:20:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Cars]]></category>
                                                    <category><![CDATA[Car Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xpTT6niowfbcWGZyzoqQNc-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A salesperson hands car keys to a man sitting in the driver seat of a car.]]></media:description>                                                            <media:text><![CDATA[A salesperson hands car keys to a man sitting in the driver seat of a car.]]></media:text>
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                                                            <title><![CDATA[ I'm 61 and need $50,000 for home repairs. Should I borrow, given today's rates, or take a withdrawal from my $950,000 401(k)? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/401ks/im-61-and-need-usd50-000-for-home-repairs-should-i-borrow-given-todays-rates-or-take-a-withdrawal-from-my-usd950-000-401-k</link>
                                                                            <description>
                            <![CDATA[ We asked financial experts for advice. ]]>
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                                                                        <pubDate>Sun, 09 Nov 2025 11:06:00 +0000</pubDate>                                                                                                                                <updated>Tue, 11 Nov 2025 18:41:30 +0000</updated>
                                                                                                                                            <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qrvrU4rF4wWo5fDfS5aPFd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A concerned mature woman with curly gray hair reviews paperwork at her kitchen table. She holds a document while looking at it intently, surrounded by a laptop, calculator, and papers]]></media:description>                                                            <media:text><![CDATA[A concerned mature woman with curly gray hair reviews paperwork at her kitchen table. She holds a document while looking at it intently, surrounded by a laptop, calculator, and papers]]></media:text>
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                                                            <title><![CDATA[ Credit Score News Could Help First-Time Homebuyers ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-score/credit-score-news-could-help-first-time-homebuyers</link>
                                                                            <description>
                            <![CDATA[ Lenders who sell mortgages to Fannie Mae and Freddie Mac used to only be able to use FICO for loan qualification. Now there's VantageScore, owned by the three major credit bureaus. ]]>
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                                                                        <pubDate>Sun, 09 Nov 2025 11:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KuFTSEjmsecorgc7gsvHWK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A family moves into a new home.]]></media:description>                                                            <media:text><![CDATA[A family moves into a new home.]]></media:text>
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                                                            <title><![CDATA[ Treat Home Equity Like Other Investments in Your Retirement Plan: Look at Its Track Record ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/treat-home-equity-like-other-retirement-investments</link>
                                                                            <description>
                            <![CDATA[ Homeowners who are considering using home equity in their retirement plan can analyze it like they do their other investments. Here's how. ]]>
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                                                                        <pubDate>Fri, 17 Oct 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qNAqUVcqEadF7bwTXZYyzP-1280-80.jpg">
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                                                            <title><![CDATA[ Don't Make These 'Buy Now, Pay Later' Mistakes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/shopping/buy-now-pay-later-mistakes-to-avoid</link>
                                                                            <description>
                            <![CDATA[ Don't Make These 'Buy Now, Pay Later' Mistakes ]]>
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                                                                        <pubDate>Fri, 10 Oct 2025 10:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Shopping]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Kerri Anne Renzulli ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9phYfwxFHNUsFqrE2fKKAH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[picture of notepad saying &amp;quot;I want it later or now&amp;quot; with check mark next to now]]></media:description>                                                            <media:text><![CDATA[picture of notepad saying &amp;quot;I want it later or now&amp;quot; with check mark next to now]]></media:text>
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                                                            <title><![CDATA[ Quiz: Do You Know Annuities? What About Recent Student Loan Changes and Boomer Retirement Challenges? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/kiplinger-quiz-adviser-intel-september-30-2025</link>
                                                                            <description>
                            <![CDATA[ The financial professionals who contribute to Kiplinger's Adviser Intel recently wrote about myths about annuities, Boomers' retirement reality check and OBBB changes to federal student loans. ]]>
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                                                                        <pubDate>Tue, 30 Sep 2025 16:45:00 +0000</pubDate>                                                                                                                                <updated>Wed, 01 Oct 2025 14:05:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Kiplinger Staff ]]></dc:creator>                                                                                                                                                <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Kiplinger Puzzles Quiz Color Background]]></media:description>                                                            <media:text><![CDATA[Kiplinger Puzzles Quiz Color Background]]></media:text>
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                                                            <title><![CDATA[ Student Loan Shake-Up: What the OBBB Means for Parent PLUS Borrowers, From a Financial Aid Expert ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/student-loans-what-the-obbb-means-for-parent-plus-borrowers</link>
                                                                            <description>
                            <![CDATA[ For students starting a new program on/after July 1, 2026, loans will be capped at $20,000 annually, and parents can borrow no more than $65,000 total, a big change from the unlimited borrowing setup. ]]>
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                                                                        <pubDate>Sun, 28 Sep 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Elaine Rubin ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/LhuVRyMWdEQ94gNX5FTMKD-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A mom takes a selfie with her daughter, who&#039;s holding a box that says college.]]></media:description>                                                            <media:text><![CDATA[A mom takes a selfie with her daughter, who&#039;s holding a box that says college.]]></media:text>
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                                                            <title><![CDATA[ New Rules, New Opportunities for Student Loans: An Expert Guide to Preparing for What's Next ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/new-rules-for-student-loans-preparing-for-whats-next</link>
                                                                            <description>
                            <![CDATA[ Major changes are coming to federal student loan rules, so it's a good time for borrowers to understand how these shifts will impact their financial planning. ]]>
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                                                                        <pubDate>Thu, 18 Sep 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                                                                <author><![CDATA[ Christopher.Ebeling@citizensbank.com (Chris Ebeling) ]]></author>                    <dc:creator><![CDATA[ Chris Ebeling ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/phViypqj2eL8heGAJajrzG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A college student smiles while she stands outside a building holding a manila envelope to her chest.]]></media:description>                                                            <media:text><![CDATA[A college student smiles while she stands outside a building holding a manila envelope to her chest.]]></media:text>
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                                                            <title><![CDATA[ This Is How the Student Loan Bubble Is Primed to Pop, From a Student Funding Expert ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/how-the-student-loan-bubble-is-primed-to-pop</link>
                                                                            <description>
                            <![CDATA[ Fueled by easy money, inflated tuition and high default rates, the student loan bubble mirrors the 2008 subprime mortgage crisis. We could be headed for a potential financial collapse. What can we do? ]]>
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                                                                        <pubDate>Thu, 04 Sep 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ dan@yelofunding.com (Daniel Rubin) ]]></author>                    <dc:creator><![CDATA[ Daniel Rubin ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/o4xJWvPBrrJkYgunJcG89L-1280-80.jpg">
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                                                            <title><![CDATA[ Think Twice Before Getting a Credit Card Cash Advance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/think-twice-before-getting-a-credit-card-cash-advance</link>
                                                                            <description>
                            <![CDATA[ A credit card cash advance can be a quick solution when you need emergency help with money. But you'll pay for the convenience with high interest and fees. ]]>
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                                                                        <pubDate>Sat, 30 Aug 2025 13:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/x5d6FbGTkGJkm46kswZ6Nm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man pulls a card from his wallet while standing in front of an ATM.]]></media:description>                                                            <media:text><![CDATA[A man pulls a card from his wallet while standing in front of an ATM.]]></media:text>
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                                                            <title><![CDATA[ The New Rules for Student Loans ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/the-new-rules-for-student-loans</link>
                                                                            <description>
                            <![CDATA[ Whether you’re paying off education debt now or planning to borrow in the future, get ready for bigger payments and lower loan limits. ]]>
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                                                                        <pubDate>Fri, 29 Aug 2025 14:00:00 +0000</pubDate>                                                                                                                                <updated>Mon, 06 Oct 2025 21:26:52 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kerri Anne Renzulli ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wNmWyqAXt7eRZF7MdAahbY-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[image of a pink piggy bank with a graduation cap on its head and coins flying above]]></media:description>                                                            <media:text><![CDATA[image of a pink piggy bank with a graduation cap on its head and coins flying above]]></media:text>
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                                                            <title><![CDATA[ Thinking of Getting a New Car in Retirement? Why GM's Latest News Matters ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/new-car-in-retirement-why-gms-latest-news-matters</link>
                                                                            <description>
                            <![CDATA[ The retirement car conundrum: buy outright or finance your next ride? ]]>
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                                                                        <pubDate>Tue, 22 Jul 2025 21:05:36 +0000</pubDate>                                                                                                                                <updated>Fri, 25 Jul 2025 11:25:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Car Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NwZRuB3L2FrDaMpb2U5PLd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple at the car dealer.]]></media:description>                                                            <media:text><![CDATA[An older couple at the car dealer.]]></media:text>
                                <media:title type="plain"><![CDATA[An older couple at the car dealer.]]></media:title>
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                                                            <title><![CDATA[ Trump Targets Student Loan Forgiveness: Here’s How Taxes and Repayment Could Soon Change ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/trump-targets-student-loan-forgiveness</link>
                                                                            <description>
                            <![CDATA[ The so-called "big beautiful bill" and the Trump administration’s executive action are making the future of student loan forgiveness and its tax consequences uncertain. ]]>
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                                                                        <pubDate>Tue, 08 Jul 2025 15:16:00 +0000</pubDate>                                                                                                                                <updated>Tue, 28 Oct 2025 16:25:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/UaHFoRecqLcTkmyjQWaVRE-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[pink piggy bank with grad cap on and coins floating above]]></media:description>                                                            <media:text><![CDATA[pink piggy bank with grad cap on and coins floating above]]></media:text>
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                                                            <title><![CDATA[ Home Equity Evolution: A Fresh Approach to Funding Life's Biggest Needs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/shared-equity-model-a-fresh-approach-to-funding-lifes-biggest-needs</link>
                                                                            <description>
                            <![CDATA[ Homeowners leverage their home equity through various strategies, such as HELOCs or reverse mortgages. A newer option: Shared equity models. How do those work, and what are the pros and cons? ]]>
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                                                                        <pubDate>Tue, 01 Jul 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ccorn@cheifs.com (Craig Corn) ]]></author>                    <dc:creator><![CDATA[ Craig Corn ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/q8cbNdREpupXUUxsaqRRWJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A toy home sits on top of scattered hundred-dollar bills.]]></media:description>                                                            <media:text><![CDATA[A toy home sits on top of scattered hundred-dollar bills.]]></media:text>
                                <media:title type="plain"><![CDATA[A toy home sits on top of scattered hundred-dollar bills.]]></media:title>
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                                                            <title><![CDATA[ Your Home + Your IRA = Your Long-Term Care Solution ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/your-home-plus-your-ira-equals-your-long-term-care-solution</link>
                                                                            <description>
                            <![CDATA[ If you're worried that long-term care costs will drain your retirement savings, consider a personalized retirement plan that could solve your problem. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Sat, 28 Jun 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yGZ96GmRZeTp8o5EE2E2WX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank inside the frame of a house against a purple background.]]></media:description>                                                            <media:text><![CDATA[A piggy bank inside the frame of a house against a purple background.]]></media:text>
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                                                            <title><![CDATA[ Student Loan Delinquencies Are Hurting Credit Scores — Even for Parents and Grandparents ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/student-loan-delinquencies-hurt-parents-grandparents</link>
                                                                            <description>
                            <![CDATA[ Millions of borrowers are falling behind on student loan payments, triggering steep credit score drops. If you or your family carry student debt, here's what you need to know now. ]]>
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                                                                        <pubDate>Fri, 13 Jun 2025 18:55:51 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TGTF5eje45b9V3gNTuPMnk-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Grandfather and grandson are discussing education]]></media:description>                                                            <media:text><![CDATA[Grandfather and grandson are discussing education]]></media:text>
                                <media:title type="plain"><![CDATA[Grandfather and grandson are discussing education]]></media:title>
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                                                            <title><![CDATA[ A Financial Expert's Tips for Lending Money to Family and Friends ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/loans/tips-for-lending-money-to-family-and-friends</link>
                                                                            <description>
                            <![CDATA[ What starts as a lifeline can turn into a minefield if the borrower ghosts the lender. Following these three steps can help you avoid family feuds over funds. ]]>
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                                                                        <pubDate>Sat, 07 Jun 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 09 Jun 2025 13:36:41 +0000</updated>
                                                                                                                                            <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ neale@nealegodfrey.com (Neale Godfrey, Financial Literacy Expert) ]]></author>                    <dc:creator><![CDATA[ Neale Godfrey, Financial Literacy Expert ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WBpfAoYvmGAjL5NLZJHHcH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman counts out cash to another woman while they sit on the sofa together.]]></media:description>                                                            <media:text><![CDATA[A woman counts out cash to another woman while they sit on the sofa together.]]></media:text>
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                                                            <title><![CDATA[ How to Thaw a Credit Freeze — and Why You Would ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/how-to-thaw-a-credit-freeze-and-why-you-would</link>
                                                                            <description>
                            <![CDATA[ As you shop for a loan or credit card, you must open up access to your credit reports. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 28 May 2025 11:00:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Jun 2025 13:59:48 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rh6LN7hXpLgPxopGR5qDvT-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A generic credit card frozen in a block of ice. The Platinum Credit card is available isolated in my portfolio. All names and account numbers are fake.]]></media:description>                                                            <media:text><![CDATA[A generic credit card frozen in a block of ice. The Platinum Credit card is available isolated in my portfolio. All names and account numbers are fake.]]></media:text>
                                <media:title type="plain"><![CDATA[A generic credit card frozen in a block of ice. The Platinum Credit card is available isolated in my portfolio. All names and account numbers are fake.]]></media:title>
                                                    </media:content>
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                                                            <title><![CDATA[ Going to College? How to Navigate the Financial Planning ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/going-to-college-how-to-navigate-the-financial-planning</link>
                                                                            <description>
                            <![CDATA[ College decisions this year seem even more complex than usual, including determining whether a school is a 'financial fit.' Here's how to find your way. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Mon, 21 Apr 2025 09:40:00 +0000</pubDate>                                                                                                                                <updated>Mon, 21 Apr 2025 16:25:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ Christopher.Ebeling@citizensbank.com (Chris Ebeling) ]]></author>                    <dc:creator><![CDATA[ Chris Ebeling ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RfiUzn2cTMr4s6gRwaddYB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A mother helps her college-bound daughter on a laptop at the kitchen table.]]></media:description>                                                            <media:text><![CDATA[A mother helps her college-bound daughter on a laptop at the kitchen table.]]></media:text>
                                <media:title type="plain"><![CDATA[A mother helps her college-bound daughter on a laptop at the kitchen table.]]></media:title>
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                                                            <title><![CDATA[ How Inflation Affects Your Finances and How to Stay Ahead ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-inflation-affects-your-finances-and-how-to-stay-ahead</link>
                                                                            <description>
                            <![CDATA[ The cost of goods and services is certain to rise over time, making it essential to have a financial plan that will help you keep pace. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 09 Apr 2025 09:35:00 +0000</pubDate>                                                                                                                                <updated>Fri, 18 Jul 2025 13:00:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ kyle@wealthpointadvisorsnc.com (Kyle D. Sikes) ]]></author>                    <dc:creator><![CDATA[ Kyle D. Sikes ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/PYTdDLnBzggUuXgB5yPjMo-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A hammer sits next to a shattered piggy bank filled with coins.]]></media:description>                                                            <media:text><![CDATA[A hammer sits next to a shattered piggy bank filled with coins.]]></media:text>
                                <media:title type="plain"><![CDATA[A hammer sits next to a shattered piggy bank filled with coins.]]></media:title>
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                                                            <title><![CDATA[ Seven Questions to Ask When Evaluating Personal Loan Options ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/personal-loan-options-questions-to-ask</link>
                                                                            <description>
                            <![CDATA[ Taking out a personal loan too hastily could lock you into unfavorable terms with an untrustworthy lender. Ask these questions before signing anything. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Mon, 31 Mar 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ David Kimball ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WmqeG4Jdsa55oJLj7KZLhP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Top of a personal loan application.]]></media:description>                                                            <media:text><![CDATA[Top of a personal loan application.]]></media:text>
                                <media:title type="plain"><![CDATA[Top of a personal loan application.]]></media:title>
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                                                            <title><![CDATA[ Will Trump's Education Dept. Order Hurt Scholarships and Key Tax Breaks? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/trump-ed-dept-order-sparks-fears-for-popular-education-tax-breaks</link>
                                                                            <description>
                            <![CDATA[ The Trump administration's efforts to abolish the Department of Education could impact tax policy, college affordability, and your wallet. ]]>
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                                                                        <pubDate>Thu, 20 Mar 2025 16:48:20 +0000</pubDate>                                                                                                                                <updated>Sat, 22 Mar 2025 03:21:46 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Tax credits]]></category>
                                                    <category><![CDATA[Politics]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/fi7N2NYMpi7apoCN3jZPrS-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[image of U.S. Department of Education building]]></media:description>                                                            <media:text><![CDATA[image of U.S. Department of Education building]]></media:text>
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                                                            <title><![CDATA[ What To Know if You’re in the Market for a New Car This Year ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/cars/new-car-buying-market</link>
                                                                            <description>
                            <![CDATA[ Buying a new car will get a little easier, but don’t expect many deals. ]]>
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                                                                        <pubDate>Mon, 03 Feb 2025 12:53:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Cars]]></category>
                                                    <category><![CDATA[Business]]></category>
                                                    <category><![CDATA[Car Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (David Payne) ]]></author>                    <dc:creator><![CDATA[ David Payne ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Ro7YQazm8PbbCNfTtSvTFQ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple shakes hands with a car dealer in a parking lot full of cars to buy or lease.]]></media:description>                                                            <media:text><![CDATA[A couple shakes hands with a car dealer in a parking lot full of cars to buy or lease.]]></media:text>
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                                                            <title><![CDATA[ Is 2025 the Year Workers Will Return to the Office? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/personal-loans/is-this-the-year-workers-will-return-to-the-office</link>
                                                                            <description>
                            <![CDATA[ Managers want to cut back on remote work, but many employees value flexibility. ]]>
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                                                                        <pubDate>Wed, 29 Jan 2025 15:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[work life balance]]></category>
                                                    <category><![CDATA[Work From Home Jobs]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/vryofnp8VFmW29JTpXUenQ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A group of people in work clothes walking over a bridge in a city. ]]></media:description>                                                            <media:text><![CDATA[A group of people in work clothes walking over a bridge in a city. ]]></media:text>
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                                                            <title><![CDATA[ 15 Reasons You'll Regret an RV in Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/15-reasons-youll-regret-an-rv-in-retirement</link>
                                                                            <description>
                            <![CDATA[ Here's why you might regret an RV in retirement. RV-savvy retirees talk about the downsides of spending retirement in a motorhome, travel trailer, fifth wheel, or other recreational vehicle. ]]>
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                                                                        <pubDate>Fri, 17 Jan 2025 19:19:30 +0000</pubDate>                                                                                                                                <updated>Thu, 09 Apr 2026 18:49:43 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[RV Loans]]></category>
                                                    <category><![CDATA[Travel]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Happy Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Leisure]]></category>
                                                                                                                    <dc:creator><![CDATA[ Bob Niedt ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hScgEGhNopGj8dHoau8rSH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Senior couple sitting near water with motorhome in camping]]></media:description>                                                            <media:text><![CDATA[Senior couple sitting near water with motorhome in camping]]></media:text>
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                                                            <title><![CDATA[ 5 Ways the Second Trump Term Could Affect Your Finances ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/ways-the-second-trump-term-could-affect-your-finances</link>
                                                                            <description>
                            <![CDATA[ Income tax cuts are likely to be extended, but electric vehicle tax credits could disappear. ]]>
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                                                                        <pubDate>Sun, 05 Jan 2025 12:00:30 +0000</pubDate>                                                                                                                                <updated>Mon, 24 Mar 2025 20:13:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Cars]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Income Tax]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/k4deZfR6JtKMFj4xR7rm2b-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman looks at her laptop while sitting at her desk.]]></media:description>                                                            <media:text><![CDATA[A woman looks at her laptop while sitting at her desk.]]></media:text>
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                                                            <title><![CDATA[ Are Credit Cards an Alternative Source of Income? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/are-credit-cards-an-alternative-source-of-income</link>
                                                                            <description>
                            <![CDATA[ Thinking that having credit available means you have another source of income is misguided. ]]>
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                                                                        <pubDate>Thu, 07 Nov 2024 16:21:32 +0000</pubDate>                                                                                                                                <updated>Mon, 31 Mar 2025 15:38:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Deborah W. Ellis ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7Pjyq4zcETfGhZ7NyfMkcb-1280-80.jpg">
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                                                            <title><![CDATA[ How Intrafamily Loans Can Bridge the Education Funding Gap ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-intrafamily-loans-can-bridge-the-education-funding-gap</link>
                                                                            <description>
                            <![CDATA[ To avoid triggering federal gift taxes, a family member can lend a student money for education at IRS-set interest rates. Here's what to keep in mind. ]]>
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                                                                        <pubDate>Thu, 07 Nov 2024 10:30:10 +0000</pubDate>                                                                                                                                <updated>Tue, 11 Feb 2025 20:01:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Denise McClain, JD, CPA ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rmxeux936e9DdDXJwwYbbZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Three family members work together on paperwork. ]]></media:description>                                                            <media:text><![CDATA[Three family members work together on paperwork. ]]></media:text>
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                                                            <title><![CDATA[ Seven Simple Ways to Improve Your Credit Score (According to Experts) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/simple-ways-to-improve-your-credit-score-according-to-experts</link>
                                                                            <description>
                            <![CDATA[ In the world of credit, responsibility is greatly rewarded. ]]>
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                                                                        <pubDate>Thu, 17 Oct 2024 13:00:10 +0000</pubDate>                                                                                                                                <updated>Mon, 31 Mar 2025 14:43:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kiplinger Advisor Collective ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7Pjyq4zcETfGhZ7NyfMkcb-1280-80.jpg">
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                                                            <title><![CDATA[ How to Create a Retirement Plan That Checks All Your Boxes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-to-create-a-retirement-plan-that-checks-all-your-boxes</link>
                                                                            <description>
                            <![CDATA[ You might consider starting with a model retirement plan that has already been assembled and is ready to be refined to meet your objectives. ]]>
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                                                                        <pubDate>Wed, 09 Oct 2024 09:40:28 +0000</pubDate>                                                                                                                                <updated>Tue, 15 Oct 2024 15:03:20 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Annuities]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bA338EE7PEuM49X3GBx8E6-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A retired couple do yoga poses on a beach.]]></media:description>                                                            <media:text><![CDATA[A retired couple do yoga poses on a beach.]]></media:text>
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                                                            <title><![CDATA[ Five Common Credit Mistakes and How to Avoid Them  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/common-credit-mistakes-and-how-to-avoid-them</link>
                                                                            <description>
                            <![CDATA[ Mistakes are an often inevitable fact of life, but knowledge truly is power when it comes to financial wellness. ]]>
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                                                                        <pubDate>Thu, 03 Oct 2024 12:15:15 +0000</pubDate>                                                                                                                                <updated>Mon, 31 Mar 2025 14:37:23 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rod Griffin ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bJRDPAMj6sT5pVsuBZDupa-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman sitting on her sofa smiles as she looks at her credit card and holds a tablet.]]></media:description>                                                            <media:text><![CDATA[A woman sitting on her sofa smiles as she looks at her credit card and holds a tablet.]]></media:text>
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                                                            <title><![CDATA[ 50 Years Ago, Women Won Equal Access to Credit ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/years-ago-women-won-equal-access-to-credit</link>
                                                                            <description>
                            <![CDATA[ Until U.S. women won equal access to credit, they often couldn't buy a home or own a credit card without a male cosigner. ]]>
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                                                                        <pubDate>Tue, 01 Oct 2024 09:45:34 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ elaine.silvestrini@futurenet.com (Elaine Silvestrini) ]]></author>                    <dc:creator><![CDATA[ Elaine Silvestrini ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/djibDHGMEgqnUATtRXnsJJ-1280-80.jpg">
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                                                            <title><![CDATA[ Coverdell Education Savings Accounts: A Deep Dive ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/coverdell-education-savings-accounts-a-deep-dive</link>
                                                                            <description>
                            <![CDATA[ While there are some limitations on income and contributions, as well as other restrictions, a Coverdell can be a bit more flexible than a 529 plan. ]]>
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                                                                        <pubDate>Thu, 26 Sep 2024 09:30:15 +0000</pubDate>                                                                                                                                <updated>Tue, 11 Feb 2025 19:59:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Denise McClain, JD, CPA ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/viSHNF6Zrru9LNLyyhehw8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A college student works with a calculator and a tablet while sitting at table at home.]]></media:description>                                                            <media:text><![CDATA[A college student works with a calculator and a tablet while sitting at table at home.]]></media:text>
                                <media:title type="plain"><![CDATA[A college student works with a calculator and a tablet while sitting at table at home.]]></media:title>
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                                                            <title><![CDATA[ Should You Refinance Your Mortgage Now That the Fed Just Cut Rates? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/should-you-refinance-your-mortgage-now-that-the-fed-just-cut-rates</link>
                                                                            <description>
                            <![CDATA[ The Fed just cut rates, so mortgage refinance rates will be cheaper. Should you act now, or wait? ]]>
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                                                                        <pubDate>Wed, 18 Sep 2024 19:31:42 +0000</pubDate>                                                                                                                                <updated>Wed, 10 Dec 2025 21:12:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/MnEWZrjmgLrhVtXd58kPTg-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[refinance your mortgage under a magnifying glass]]></media:description>                                                            <media:text><![CDATA[refinance your mortgage under a magnifying glass]]></media:text>
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                                                            <title><![CDATA[ What the Election Could Mean for Student Loan Forgiveness: Harris vs Trump ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/election-student-loans-harris-vs-trump</link>
                                                                            <description>
                            <![CDATA[ As the presidential election heats up, here’s a closer look at each candidate’s plans to address student loans. ]]>
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                                                                        <pubDate>Wed, 11 Sep 2024 10:00:00 +0000</pubDate>                                                                                                                                <updated>Fri, 04 Oct 2024 20:15:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ erin.bendig@futurenet.com (Erin Bendig) ]]></author>                    <dc:creator><![CDATA[ Erin Bendig ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xmi4vHNhUycWyMWEtqQnM3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[ Democratic presidential candidate Vice President Kamala Harris speaks to union workers during a campaign event on September 02, 2024.]]></media:description>                                                            <media:text><![CDATA[ Democratic presidential candidate Vice President Kamala Harris speaks to union workers during a campaign event on September 02, 2024.]]></media:text>
                                <media:title type="plain"><![CDATA[ Democratic presidential candidate Vice President Kamala Harris speaks to union workers during a campaign event on September 02, 2024.]]></media:title>
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                                                            <title><![CDATA[ Recent Graduate? Financial Fitness Starts Here ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/recent-graduate-financial-fitness-starts-here</link>
                                                                            <description>
                            <![CDATA[ Once you've landed a job, it's time to optimize your starting salary with a focus on creating a budget, paying off student debt and saving for retirement. ]]>
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                                                                        <pubDate>Fri, 06 Sep 2024 09:40:35 +0000</pubDate>                                                                                                                                <updated>Mon, 09 Sep 2024 13:37:20 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Vanessa Okwuraiwe ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wQPmB9HtmpASLQ4N8FN4jX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Young adults smile as they attend an outside exercise class.]]></media:description>                                                            <media:text><![CDATA[Young adults smile as they attend an outside exercise class.]]></media:text>
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                                                            <title><![CDATA[ IRS: How to Get a 401(k) Match for Your Student Loan Payment ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/irs-401k-student-loan-match</link>
                                                                            <description>
                            <![CDATA[ Those with 401(k), 403(b), and other savings plans might get relief through their employer-provided retirement account. ]]>
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                                                                        <pubDate>Mon, 26 Aug 2024 15:16:00 +0000</pubDate>                                                                                                                                <updated>Wed, 09 Apr 2025 12:30:54 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kate Schubel ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FwiEiJbYYAUnVFj4WCF3ee-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[fortune cookie opened with message &quot;save now for retirement&quot; with piggy bank and coins on a light blue background]]></media:description>                                                            <media:text><![CDATA[fortune cookie opened with message &quot;save now for retirement&quot; with piggy bank and coins on a light blue background]]></media:text>
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                                                            <title><![CDATA[ Should You Freeze Your Credit Amid National Public Data, Change Healthcare Breaches? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-reports/should-you-freeze-your-credit-data-breaches</link>
                                                                            <description>
                            <![CDATA[ With data breaches in the news from National Public Data and Change Healthcare, people are wondering if they should freeze their credit. ]]>
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                                                                        <pubDate>Thu, 22 Aug 2024 18:00:48 +0000</pubDate>                                                                                                                                <updated>Mon, 23 Sep 2024 20:27:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ alexandra.svokos@futurenet.com (Alexandra Svokos) ]]></author>                    <dc:creator><![CDATA[ Alexandra Svokos ]]></dc:creator>                                                                                                                                                <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XkMHP7VdGUki8yN7Pqfu6b-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Asian mature straight couple reviewing finances]]></media:description>                                                            <media:text><![CDATA[Asian mature straight couple reviewing finances]]></media:text>
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