Money
Plain-English guides to borrowing and paying down debt: business financing, student loans and home equity. How each product works, what it really costs, and who it fits.
Start hereBusiness Line of Credit With Bad Credit: Can You Get Approved?A score under 600 narrows the options but doesn't close the door. How revenue-based lenders decide, what a line really costs, and which lender type to ask first.Read the guideGuides
How to choose, and what to avoid.
GuideHome Equity Investment Pros and Cons: How HEIs Really WorkCash from your home's value with no monthly payment, in exchange for a share of its future growth. How home equity investments work, their pros and cons, and who they fit.
GuideHow to Pay Off Student Loans Faster in 2026: The Free Way and the Refinance WayInterest accrues daily, so every extra dollar counts. The free avalanche method that works on any loan, when refinancing with College Ave fits, and the trade-off you can't undo.
GuideWhat a Home Equity Investment Really Costs: The Settlement MathNo interest doesn't mean no cost. The two layers of cost in a home equity investment, worked payoff examples, three checks before you sign, and how providers differ.
GuideMCA Consolidation: How to Get Out of Stacked Merchant Cash AdvancesConsolidation can turn three daily withdrawals into one, but only one of its two forms lowers your cost of capital. The question to ask, and the math to check.
GuideHow to Choose a Merchant Cash Advance Company: 4 Questions to AskCompare merchant cash advance offers on the one number that matters, total dollars back. How factor rates and collection work, and four questions for any funder.Every score here comes out of the same process, how we test.