Credit & Debt
News, insights and expert analysis on credit & debt from the team at Kiplinger.
Latest
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Best Cash Back Credit Cards of 2025
Credit Cards If you're searching for a credit card that rewards you for everyday purchases, we've chosen the best.
By Sean Jackson
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Planning a Major Home Renovation? 3 Smart Ways to Finance It
From HELOCs to personal loans, here’s how to pay for a major home renovation without draining your savings.
By Paige Cerulli
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16 Retirement Mistakes You Will Regret Forever
retirement From saving too little to claiming Social Security too early, there are plenty of ways that current and future retirees can sabotage their golden years.
By Bob Niedt
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Treat Home Equity Like Your Other Retirement Investments
Homeowners who are considering using home equity in their retirement plan can analyze it like they do their other investments. Here's how.
By Jerry Golden, Investment Adviser Representative
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How a Home Equity Line of Credit (HELOC) Works
You can use home equity to pay off high-interest debt or improve your home, but it’s important to understand the risks.
By Emma Patch
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Extended payment plans can help ease the sting of a big-ticket purchase. But beware of costly missteps that can add to your price.
Don't Make These 'Buy Now, Pay Later' Mistakes
By Kerri Anne Renzulli
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Four Ways a Massive Emergency Fund Can Hurt You More Than It Helps
Saving too much could mean you're missing opportunities to put your money to work. Redirect some of that money toward paying off debt, building retirement funds, fulfilling a dream or investing in higher-growth options.
By Anthony Martin
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Quiz: Do You Know Annuities? What About Recent Student Loan Changes and Boomer Retirement Challenges?
Quiz 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.
By Kiplinger Staff
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Student Loan Shake-Up: What the OBBB Means for Parent PLUS Borrowers, From a Financial Aid Expert
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.
By Elaine Rubin
