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MoneyBoss: Your Guide to Personal Finance and Entrepreneurship: Credit & Debt

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

What Is Credit?

Know Your Cards

Choosing Financial Services Wisely

Dealing with Debt


In these links, 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.

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.


During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, Experian and TransUnion are continuing to offer free weekly credit reports until December 21, 2023.

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.

Building Credit

Credit Couseling

Do you need a credit counselor?

If you're in serious debt difficulties, you may want help negotiating with lenders to lower your payments and possibly reduce interest rates. Typically, Credit Counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your financial situation with you and help you develop a personalized plan to solve your money problems. 

Resources to help you find a Credit Counselor:

What is financial therapy?

Financial therapists helps people reach their financial goals by thoughtfully addressing financial challenges, while at the same time, attending to the emotional, psychological, behavioral, and relational hurdles that affect how people manage their money.

Big Purchases

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