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Articles by jane nam
Pros and cons of debt consolidation: Is it a good idea?
Key takeaways Debt consolidation can simplify your finances and potentially lower your interest rate. There may be upfront costs that can offset potential savings. People with good credit may qualify for better loan terms, making consolidation a good option. Debt consolidation involves combining several debts — such as credit cards, personal loans or medical bills — into a single loan with one monthly payment.
Budgeting Basics | Bankrate
A budget is a spending plan that helps you understand how much money you're making and where you're spending it. A budget is the cornerstone of a strong financial plan. How to budget Envelope budgeting Zero-based budget 50/30/20 rule Create a home budget Budgeting tips Bankrate offers 18 ideas for stretching your budget to save money. If your discretionary income is low, you could pay $0 on your federal student loans.
Pros and cons of debt consolidation: Is it a good idea?
Debt consolidation involves combining several debts – such as credit cards, personal loans or medical bills – into a single loan with one monthly payment. This can simplify your finances and potentially lower your interest rate, depending on the loan terms and your credit profile. You can consolidate nearly every type of consumer debt. However, debt consolidation loans aren’t a complete fix. You must still pay them off.
Pros and cons of debt consolidation: Is it a good idea?
Debt consolidation involves combining several debts -- such as credit cards, personal loans or medical bills -- into a single loan with one monthly payment. This can simplify your finances and potentially lower your interest rate, depending on the loan terms and your credit profile. You can consolidate nearly every type of consumer debt. However, debt consolidation loans aren't a complete fix. You must still pay them off.
Pros and cons of debt consolidation: Is it a good idea?
If you have a history of living beyond your means, you might do so again once you feel free of debt. To help avoid this, track your spending and make yourself a realistic budget that you are confident you can stick to. Evaluate where you’re spending every month and adjust accordingly to keep yourself on track. Before taking out a debt consolidation loan, ask about any fees, including ones for making late payments or paying your loan off early.
Pros and cons of debt consolidation: Is it a good idea?
Debt consolidation involves combining several debts — such as credit cards, personal loans or medical bills — into a single loan with one monthly payment. This can simplify your finances and potentially lower your interest rate, depending on the loan terms and your credit profile. You can consolidate nearly every type of consumer debt. However, debt consolidation loans aren’t a complete fix. You must still pay them off.
Personal loan origination fees: What to know
Personal loan origination fees: What to know by Jane Nam Mon, August 11th 2025 at 1:38 PM Image by Getty Images; Illustration by Bankrate
Personal loan origination fees: What to know
Key takeaways Origination fees are a common cost when borrowing a personal loan, especially if you choose to go with an online lender. Expect to pay anywhere from 1 percent to 10 percent of the total loan amount, although the exact fee varies based on several factors. Origination fees are deducted from your total loan amount, so make sure you account for them when you determine how much you need to borrow.
Personal loan origination fees: What to know
Key takeaways Origination fees are a common cost when borrowing a personal loan, especially if you choose to go with an online lender. Expect to pay anywhere from 1 percent to 10 percent of the total loan amount, although the exact fee varies based on several factors. Origination fees are deducted from your total loan amount, so make sure you account for them when you determine how much you need to borrow.
Personal loan origination fees: What to know
Key takeaways Origination fees are a common cost when borrowing a personal loan, especially if you choose to go with an online lender. Expect to pay anywhere from 1 percent to 10 percent of the total loan amount, although the exact fee varies based on several factors. Origination fees are deducted from your total loan amount, so make sure you account for them when you determine how much you need to borrow.
Personal loan origination fees: What to know
Personal loan origination fees: What to know
AI Is Revolutionizing The Auto Loan Application Process
AI is streamlining auto loan approvals and helping dealers close more deals in less time. Platforms like Upstart Showroom and Capital One’s DealerAI are enhancing both back-end operations and the customer experience. Thanks to AI-powered automation, among other tools, dealerships can finalize sales more quickly. Artificial intelligence is changing how we shop for everything, and that now includes auto loans.
Impact of Aging Vehicles on Car Financing
Consumers are holding on to their cars longer due to rising new car prices, increased vehicle reliability and personal finance goals like avoiding monthly payments. Older cars are harder to finance due to lender restrictions around age and mileage. Borrowers may face higher interest rates, shorter loan terms or even loan denials when trying to finance aging vehicles.
Fertility financing 101: How to afford IVF
Fertility financing 101: How to afford IVF by Jane Nam Tue, May 27th 2025 at 3:33 PM Image by GettyImages; Illustration by Bankrate
Fertility financing 101: How to afford IVF
Key takeaways IVF costs can range from $12,000 to over $41,000 per cycle, depending on location and medication needs. Unexpected costs, such as emergency visits, additional medication and travel, can also significantly increase the total expense. Personal loans, HELOCs and credit cards can help bridge the gap between insurance coverage and the total cost. Consider clinic success rates, less expensive fertility treatments and funding options before committing to a treatment plan.
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