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Personal Finance: Debt

Credit and Debt

Know the difference between how much you owe (debt) and how much you can borrow (credit). Learn how to manage both to avoid financial trouble. Understand how credit scores are calculated.

Find advice and help with credit cards and credit scores, as well as what to do when faced with debt problems.




Borrowing Money From, discover ways to use credit wisely.

Credit Reports & Scores Information about credit scores and finding and correcting errors in credit reports.

Do you have a credit or debt issues? Questions about your loans? Make a 90-minute phone appointment with a counselor from the Financial Coaching Corps, Community Service Society of NY. Click Here to schedule your appointment and a counselor will contact you.




How to Reduce Your Debt A step by step guide from the Consumer Finance Protection Bureau (CFPB) to reduce your debt.

10 Ways to Cut You Debt