Gina Freeman

2 weeks ago | money.usnews.com | Gina Freeman |Whitney Blair Wyckoff |Ray Frager

Key Takeaways Debt settlement, debt relief, debt negotiation, debt adjustment and debt resolution all refer to the same thing – persuading a creditor to accept less than you owe as payment in full. You can attempt debt settlement yourself or hire a debt settlement company. Debt settlement isn't guaranteed, and companies are not required to negotiate with you. But many will. What is debt settlement?

2 weeks ago | money.usnews.com | Louis DeNicola |Gina Freeman |Erika Giovanetti

Lender View DisclosureLearn More Sallie Mae 4.6Fixed APR 3.49% to 15.49% with autopayVariable APR 4.54% to 14.71% with autopayMax. Loan Amount No maximumMin. Credit Score Mid 600s Apply Now Lender View DisclosureLearn More College Ave4.7Fixed APR 3.35% to 17.99% with autopayVariable APR 4.44% to 17.99% with autopayMax. Loan Amount Not disclosedMin.

1 month ago | usnews.com | Peter Warden |Mark Evitt |Gina Freeman

Both the Automated Clearing House, or ACH, and the Federal Reserve's FedNow service offer near-instant payments in the United States. However, nearly one-third of U.S. banks still don't offer near-instant payments service. Free, near-instant payments are commonplace in many other advanced economies. Experts blame confused regulations and a larger number of small banks for the slow uptake in the U.S.How long does a wire transfer take?

2 months ago | money.usnews.com | Sarah Brodsky |Ray Frager |Gina Freeman

Key Takeaways Monthly mortgage payments can increase even if your interest rate is fixed. If your mortgage payment includes homeowners insurance, property taxes, homeowners association dues or other homeownership costs, changes in these components will be reflected in your monthly payment. The monthly payment on an adjustable-rate mortgage can increase if the loan's interest rate goes up. Once the introductory fixed rate expires, ARM rates are subject to movements in financial markets.