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Personal Finance: Credit & Debt

Resources to help you with budgeting, saving, credit, starting a business, investing and more.

Choosing Financial Services Wisely

Click on the image below for an infographic about the various kinds of financial services you may find in your neighborhood and which ones can cost you more.

Beware: Debt Can Drown You infographic

Dealing with Debt

Explore when going into debt is a smart move and when isn't it. Learn how to manage debt and what you can you do if you're having trouble paying.

If you're in serious debt difficulties, you may want help negotiating with lenders to lower your payments and possibly reduce interest rates. Look for a nonprofit credit counselor on the websites of the Financial Counseling Association of America ( and the National Foundation for Credit Counseling (

Student Loans

Fail State is a documentary film that lays bare how for-profit colleges exploit millions of low-income and minority students, leaving them with worthless degrees and drowning in student loan debt.

Big Purchases

Know Your Cards

Authorized Free Credit Reports

For more information about your free credit reports

Credit Reporting

Information about your credit history goes into a credit report. This includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Brought to you by Accounting@Syracuse: Syracuse's Online Master of Science in Accounting

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