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Articles on Personal Finance

Preparing for Good Spending Habits in College

 By Tara Carter College is a time for expanding your mind, meeting new people, and knowing the trials and errors that come with being in control of your own finances. While all of these things can be new and exciting, the harsh reality of all the new found responsibilities come along with these moments as Read more >

Can’t Get Enough Financial Aid? Here’s What to Do

College acceptance letters answer one question, but replace it with another: Can you afford it? You might feel extra anxious if your family’s income doesn’t qualify you for need-based aid and you can’t cover college costs out of pocket. There’s hope yet. Even if you’re not eligible for aid based on your family’s earnings, there Read more >

Other people’s money: benefiting from the kindness of strangers

Even when you take advantage of federal student loan programs and choose the repayment options that suit your budget needs, just having student loan debt can seem overwhelming. But, a growing number of your fellow borrowers are pursuing relief from that feeling through crowdfunding.   Because it never hurts to ask. Crowdfunding uses online sites Read more >

The emotional side of student loan debt

For many borrowers, having student loan debt just doesn’t make them feel right. In fact, a 2013 study from the University of South Carolina found a direct correlation between a student’s rising loan balances and stress-related issues.   Similarly, a 2012 study involving graduate students concluded that feelings of anxiety and even shame related to Read more >

How Student Debt Impacts Home Buying

A recent survey confirmed what many suspect: some young adults have postponed home buying due to their student loans. This echoes a commonly held belief that if you have student loans you can’t get a mortgage. But these two activities aren’t mutually exclusive. Here’s what you need to know about how your student debt Read more >

Marrying into student debt.

Making a commitment to love and cherish someone until “death do you part” is intimidating enough, but with each person bringing their financial history into the marriage, it can add an extra level of complexity. Love me, love my debt. With roughly 40 million Americans owing $1.3 trillion in student debt, the chances of at Read more >

Who is the NFCC?

Founded in 1951, the National Foundation for Credit Counseling® (NFCC®) is the nation's first and largest nonprofit dedicated to improving people's financial well-being.

NFCC members help millions of consumers like you through community-based offices located in all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

Funding for operations and services comes from an ever-changing combination of federal, state and local government grants, as well as donations from financial industry participants and private donors.

For more on the NFCC, visit

Thank you to our funders.

The Sharpen Your Financial Focus program is an initiative of the National Foundation for Credit Counseling (NFCC) in partnership with a broad cross-section of supporters. Together, we are committed to increasing the financial well-being of Americans. This initiative is partially funded by Bank of America, Chase, Synchrony, Wells Fargo and other major financial institutions. We thank all funders and partners who make this program possible. For more information, visit

National Foundation for Credit Counseling
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Suite 505
Washington, DC 20036

For NFCC Media Inquiries:
Bruce McClary
Vice President of Communications