Credit & Debt
News, insights and expert analysis on credit & debt from the team at Kiplinger.
Latest
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How Much Would a $50,000 HELOC Cost Per Month?
Thinking about tapping your home’s equity? Here’s what a $50,000 HELOC might cost you each month based on current rates.
By Paige Cerulli
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Should You Tap Your Home Equity Before 2026?
As borrowing rates and tax law shifts converge, here's what homeowners need to know before pulling equity out of their home.
By Choncé Maddox
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When an Extended Car Warranty is Worth It — and When it's Not
Got the "we're trying to reach you about your car's extended warranty" call? Here's what you need to know before buying.
By Rachael Green
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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)?
We asked financial experts for advice.
By Maurie Backman
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Credit Score News Could Help First-Time Homebuyers
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.
By Ella Vincent
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A New Kind of HELOC Lets Homeowners Fund Remodels on Their Terms
Finance home upgrades gradually, using the equity you already have.
By Carla Ayers
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Planning a Major Home Renovation? 3 Smart Ways to Finance It
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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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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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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
