Gina Freeman (Pogol)
Gina Freeman (Gina Pogol) enjoys breaking down complicated subjects and helping consumers feel comfortable making financial decisions. An acknowledged expert in mortgage and personal finance since 2008, Gina's experience includes mortgage lending and underwriting, tax accounting, and credit bureau systems consulting. You can find her articles on MSN Money, Fox Business, Forbes.com, The Motley Fool and other respected sites.
Credit Counseling: What It Actually Costs and How to Spot a Legitimate AgencyAug 7, 2026
See how credit counseling actually works, what a Debt Management Plan costs, and how to spot a legitimate nonprofit agency before you sign up.
Credit Associates Review August 2026Aug 7, 2026
See Credit Associates' fees, customer ratings, states served, and program length before you enroll in its debt settlement program.
How We Review Debt Settlement CompaniesAug 7, 2026
See exactly how we review debt settlement companies: the six weighted criteria, the star-rating formula, and where every fact comes from.
New Era Debt Solutions Review August 2026Aug 7, 2026
Read our New Era Debt Solutions review to see costs, BBB and Trustpilot ratings, state coverage, and how its settlement program works.
Cambridge Credit Counseling Review August 2026: Fees, Ratings & How It WorksAug 7, 2026
Read our Cambridge Credit Counseling review to see program fees, customer ratings, states served, and how its debt management plan works.
How to Prequalify for a Personal LoanAug 6, 2026
Prequalify for a personal loan to preview your rate and terms. See how it works, whether it affects your credit, and how to compare offers.
Tax Consequences of Debt Settlement: Do You Owe the IRS Money?Aug 1, 2026
Settling debt can trigger a tax bill on the forgiven amount. Learn when it applies, how to calculate it, and how insolvency could reduce what you owe.
CuraDebt Review August 2026Aug 1, 2026
CuraDebt review: how its free referral model works, what fees to expect, and its BBB (A+) and Trustpilot ratings—before you request a match.
Oak View Law Group Review August 2026Aug 1, 2026
Read our Oak View Law Group review to see fees, BBB and Trustpilot ratings, program details, and how its debt settlement services compare.
PNC Bank Personal Loan August 2026 ReviewAug 1, 2026
PNC Bank personal loans charge no origination fee but skip prequalification, and rates could run up to 26.94% APR. See if it's the right fit before you apply.
Happen Bank (Previously LendingClub) Personal Loan Review August 2026Aug 1, 2026
LendingClub (now Happen Bank) offers loans up to $75,000 with fast funding and joint applications. See rates, fees, and if it could be right for you.
Citi Personal Loans Review August 2026Aug 1, 2026
Citi personal loans offer fixed-rate personal loans with zero fees, and same-day funding for Citi customers. Read our June 2026 review.
Beyond Finance Review August 2026Aug 1, 2026
Read our Beyond Finance review to see fees, customer ratings, eligible debts, and how its debt settlement program compares to other options.
GreenPath Financial Wellness Review August 2026Aug 1, 2026
Read our GreenPath Financial Wellness review for fees, BBB and Trustpilot ratings, states served, and how it compares to debt settlement.
Rocket Personal Loans Review August 2026Aug 1, 2026
Rocket Loans offers personal loans from $2,000 to $75,000 with same-day funding and competitive APRs, but the origination fee may be high. Read our full review.
Navy Federal Personal Loan Review August 2026 Aug 1, 2026
Compare Navy Federal personal loans: fixed APRs from 8.74% (up to 18%), $250 to $50,000, no origination fee. See if you’re eligible as a military member.
Upstart Personal Loan August 2026 ReviewAug 1, 2026
Upstart personal loans range from $1,000 to $75,000 with APRs up to 35.99%. June 2026 review: rates, fees, eligibility, and who it suits best.
SoFi Personal Loan Review August 2026Aug 1, 2026
SoFi offers personal loans from $5,000 to $100,000 with no required fees. Read our review of rates, requirements, and who SoFi is best for.
LendingPoint Personal Loan August 2026 ReviewAug 1, 2026
LendingPoint offers very fast loans with no minimum credit score, and you can prequalify to get offers. Learn more.
How to Spot Debt Relief Companies to AvoidAug 1, 2026
Learn the red flags of a bad debt relief company and how to check one before you enroll.
Bank of America Personal Loan August 2026 ReviewAug 1, 2026
Bank of America doesn’t offer personal loans. See what it offers instead, including the Balance Assist small-dollar loan, plus better personal loan alternatives.
Ally Personal Loan: August 2026 ReviewAug 1, 2026
Ally Bank doesn't offer personal loans. Here's why, what happened to Ally Lending, and where to find a personal loan instead.
InCharge Debt Solutions ReviewJul 25, 2026
See InCharge Debt Solutions' fees, BBB and Trustpilot ratings, states served, and how its debt management plan works before you enroll.
How to Consolidate Credit Card Debt: 3 Ways to Simplify Your PaymentsJul 24, 2026
Learn how to consolidate credit card debt with a loan, a balance transfer, or a debt management plan, and find out which option fits your budget.
Personal Loan Agreement: What to Include and How to Write OneJul 24, 2026
Learn what a personal loan agreement should include, how it protects both sides, and how to write one for a loan between family or friends.
Does Debt Settlement Hurt Your Credit? What Really HappensJul 22, 2026
Debt settlement can lower your credit score, but the damage isn't permanent. See how it works, how long it lasts, and how to protect your score.
Free Credit Counseling: What It Covers and How to Spot a Legitimate AgencyJul 22, 2026
Free credit counseling explained: what a session covers, what it costs if you enroll in a plan, and how to spot a legitimate nonprofit agency.
What Is Debt Relief? Your Options ExplainedJul 18, 2026
Debt relief is an umbrella term for ways to get help with what you owe. Compare DMP, settlement, consolidation, bankruptcy, and how each affects your credit.
HELOC vs Personal Loan: How to ChooseJul 18, 2026
Do you need a HELOC or a personal loan? Compare rates, risk, costs, and when each makes sense, so you can pick the right one for your situation.
Are Debt Consolidation Loans a Good Idea?Jul 18, 2026
Debt consolidation loans could lower your rate and simplify payments, but not always. See when they help, what they cost, and when to look at alternatives.
Personal Loans With No Collateral: What to Know Before You ApplyJul 13, 2026
No collateral? Learn how unsecured personal loans work, what lenders look for, and how to find the right loan for your situation.
What Is a Secured Personal Loan—and Is One Right for You?Jul 10, 2026
A secured personal loan uses collateral to lower the lender’s risk. Here's how it works, what you can use as collateral, and when it could make sense.
Home Equity Loan vs. Personal Loan: How to ChooseJul 10, 2026
Comparing a HELOC or home equity loan to a personal loan? See how rates, risk, and repayment terms differ—and which option fits your situation.
No Credit Check Personal Loans: What They Are and What to Know Before You BorrowJul 10, 2026
No credit check loans skip the hard pull—but they often come with triple-digit rates and real risks. Here's what to know before you apply.
Bills.com Personal Loan Review MethodologyJun 30, 2026
Learn how Bills.com evaluates personal loan lenders—the six criteria, scoring scale, and data sources behind every review on the site.
Personal Loans for Bad Credit: Is Guaranteed Approval Real?Jun 29, 2026
Looking for personal loans for bad credit with guaranteed approval? Learn what’s real, what’s a red flag, and how to boost your odds of getting approved.
Best Banks for Personal LoansJun 29, 2026
Not all banks offer personal loans, and the ones that do vary widely on rates, fees, and who they’ll lend to. Here’s how to find the right one for your situation.
What Credit Score Do You Need for a Personal Loan?Jun 27, 2026
There's no single minimum credit score for a personal loan. See the ranges lenders look for, what else affects approval, and how to strengthen your application.
How to Get Approved for a Personal LoanJun 27, 2026
Learn what lenders look for, how to prequalify without hurting your credit, and steps to strengthen your approval odds before you apply.
How to Compare Personal LoansJun 26, 2026
Comparing personal loans? Learn what to look for—APR, fees, loan terms, and lender types—and how to pre-qualify without hurting your credit score.
Do Personal Loans Hurt Your Credit?Jun 18, 2026
Personal loans can temporarily lower your credit score—but managed well, they could help it. Here's exactly what happens and how to protect your score.
Using a Personal Loan to Buy a CarJun 18, 2026
A personal loan can finance a car—but it works differently than an auto loan. Learn when it makes sense and what to compare before you apply.
What Happens to Debt in DivorceMay 29, 2026
Debt doesn't disappear in a divorce. Learn how marital debt is divided, which spouse is responsible, and how to protect your credit and finances.
Help With Credit Card Debt Over $10,000May 28, 2026
Carrying over $10,000 in credit card debt? Learn which relief options fit your situation, from debt management plans to settlement to bankruptcy.
When Can a Credit Card Company Sue You?May 28, 2026
Credit card companies could sue after 180 days of missed payments—but lawsuits aren’t inevitable. Learn what triggers legal action and what to do about it.
Sample Answer to Summons for Credit Card DebtMay 28, 2026
Received a summons for credit card debt? Learn what to include in your answer, see sample language, and understand your options, including settlement.
HELOC Rates Explained: How They Work and What Affects YoursMay 27, 2026
Comparing HELOC rates? Here’s what the prime rate means for your offer, what moves your margin, and how to find a competitive deal before you apply.
Chapter 7 Bankruptcy Exemptions: What You Can KeepMay 26, 2026
Chapter 7 bankruptcy exemptions protect your home, car, and essentials. Learn how federal and state exemptions work and what property you could keep.
Chapter 13 vs. Debt Management Plan: How to ChooseMay 26, 2026
Comparing Chapter 13 bankruptcy and a debt management plan? Learn how each works, what they cost, and how to decide which fits your situation.
5 Financial Hardships That Qualify for Partial Debt ForgivenessMay 26, 2026
Facing job loss, illness, divorce, or another crisis? Learn which 5 financial hardships could help you qualify for partial debt forgiveness.