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Taking Out A Loan in Oklahoma: What Are Your Options?

Many low-income Oklahoma residents face financial challenges, making it difficult to cover unexpected expenses or bridge budget gaps. According to the 2022 Census Bureau American Community Survey, Oklahoma’s poverty rate (15.6 percent) was the nation’s tenth highest, rising slightly in 2021 compared to pre-pandemic levels (15.2%). When faced with a financial emergency, it is critical …

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Payday Loans in Texas: Understanding the Risks and Alternatives

Payday loans have become popular in Texas, particularly among people facing financial emergencies. According to a new Pew Research Center study, Texas consumers paid $1.5 billion in payday loan fees in 2021. A study by the Perryman Group and social justice advocacy groups found that one in 15 Texans has taken out a payday loan. …

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First Time Personal Loans: How to Apply When You Have No Credit History

Whenever there are unexpected financial needs, having access to funds can make all the difference. Whether it’s an unforeseen medical expense, emergency car repairs, or an opportunity to invest in your future, we sometimes find ourselves in need of a personal loan. However, if you have no credit history, getting that loan may seem impossible. …

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Navigating Installment Loans for Bad Credit: A Step-by-Step Guide

If you have bad credit and need a loan, don’t worry, you’re not alone. Many people struggle with their credit scores. According to Experian’s 2019 Consumer Credit Review, approximately 16% of Americans have poor credit. Despite being a common issue faced by many Americans, having bad credit does not have to prevent you from obtaining …

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Starting Strong: 6 Financial Tips for Young Adults

As a young adult starting your career, you have a world of opportunities ahead of you. However, along with the thrill of newfound independence and possibilities comes the responsibility of financial management.  Building a solid financial foundation in your 20s is critical to long-term financial success. It’s never too early to start developing good money …

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Student Loan Forgiveness For Healthcare Workers: Everything You Need to Know

You have selflessly dedicated your healthcare career to providing compassionate care to those in need. This unwavering desire to help others is admirable. However, it is essential to recognize that, as you fulfill your calling, you may also be burdened by student loan debt. You are not alone. According to a report by Education Data …

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Debt Recycling: Understanding the Benefits, Downsides, and More

Debt management can be difficult, especially when you have multiple sources of debt and high-interest rates. You’ve probably heard of the terms “good debt” and “bad debt,” where good debt is an investment in something that grows in value over time and bad debt is spending on items that quickly lose value. But what if …