Kaitlin Mulhere

New York

Writer and Editor at Money

Now: writer/editor @MONEY | Then: @insidehighered & @keene_sentinel | Still: @UFJschool alumna, Florida native, lover of traveling & chocolate

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Articles

Borrowers Can Still Get Student Loan Forgiveness. Here's How

5 days ago | money.com | Kaitlin Mulhere |Katherine Peach

Many student loan borrowers counting on debt forgiveness are growing increasingly anxious about how the Trump administration might revise existing repayment programs. While borrowers eager to have their loans wiped out knew they were losing an ally when former President Joe Biden — whose administration erased billions in student debt — left office, borrowers still had access to existing pathways to debt cancellation.
Recent College Grads Are Discovering That a STEM Degree Doesn't Guarantee a Stable Job

1 week ago | money.com | Adam Hardy |Kaitlin Mulhere

Degrees in science, technology, engineering and mathematics, aka STEM, have long been championed as tickets to high-paying, stable jobs. But that’s starting to change, according to the latest employment numbers from the . Several staple STEM degrees, such as physics, computer engineering and chemistry, are increasingly leaving recent graduates, defined as those aged 22 to 27, without jobs.
Student Loans Will Get (Slightly) Cheaper Next Year Thanks to Lower Interest Rates

1 month ago | money.com | Kaitlin Mulhere |Julia Glum

Interest rates on federal student loans are set to tick down for the upcoming academic year, though they remain high compared to what borrowers have paid over the past decade. Undergraduate student loans will carry an interest rate of 6.39%, down from 6.53% this year. Graduate direct loans will drop to 7.94% from 8.08%. And PLUS loans for graduate students and parents of undergrads will be 8.94%, compared with 9.08% this year.
5 Ways to Use Your Home to Help Pay For Retirement

1 month ago | money.com | Lindsay VanSomeren |Kaitlin Mulhere

Getting extra cash has never been easy, but it can be particularly hard in retirement. There is one area, though, where many retirees have a big advantage over their younger peers: access to a big, golden nest egg in the form of their home. Even better, recent economic shifts (including rising home prices) have boosted retirement security for older adults by 12%, according to a recent analysis by the Center for Retirement Research at Boston College.
How a ‘Blended Income’ Strategy Can Boost Retirement Cash Flow

1 month ago | money.com | Jordan Chussler |Kaitlin Mulhere

More Americans are expected to reach retirement age this year than ever before. For many folks hitting that milestone, a difficult reality may await. That's because fewer people are feeling secure with their plans. According to Fidelity Investments' 2025 State of Retirement Planning study, while two-thirds of people in their planning years feel confident with their prospects, that figure is seven percentage points lower than last year.
Have a Student Loan in Default? Your Wages Could Soon Be Garnished Again

1 month ago | money.com | Adam Hardy |Kaitlin Mulhere

After a five-year hiatus, the Department of Education is gearing up to resume the collections process on millions of borrowers who have defaulted on their federal student loans. Borrowers who are in default are at least 270 days, or about nine months, behind on their federal student loan payments, and the status typically comes with harsh financial consequences. Chief among them is involuntary garnishment of wages and federal benefits.
How to Get Debt Relief

2 months ago | money.com | Jess Ullrich |Kaitlin Mulhere

Americans are struggling to keep up with their credit card bills. The share of cardholders making only the minimum payment recently hit a 12-year high, and delinquency rates have been climbing over the past year, according to the Federal Reserve Bank of Philadelphia. If you're trapped in the cycle of barely affording your minimum payments each month — or worse, you've already fallen behind — debt relief is one path to getting your finances under control. But it’s not right for everyone.
Debt Consolidation vs. Debt Relief: Which Is Right for You?

2 months ago | money.com | Jess Ullrich |Kaitlin Mulhere

The total credit card debt in the U.S. climbed to over $1.2 trillion at the end of last year, up 4.0% from just a year prior, according to the Federal Reserve. Credit cards have some of the highest interest rates of all financing types, and growing high-interest debt can make it increasingly difficult to pay down your balances. If you’re among the Americans struggling to manage your credit card debt, there are a few ways you can take control and pay off your balances.
Debt Relief vs. Bankruptcy: Which Is Right for You?

2 months ago | money.com | Jess Ullrich |Kaitlin Mulhere

Several recent signs are highlighting the fact that consumers are struggling to keep up with their debt payments. Bankruptcy filings jumped last year, delinquency rates remain elevated and Americans are feeling pessimistic about almost all aspects of their finances. Significant debt and an inability to keep up with your monthly bills can make it feel like you’ll never regain control of your finances.
Debt Diaries: How These 3 People Paid Off Tens of Thousands of Dollars in Debt

2 months ago | money.com | Pete Grieve |Kaitlin Mulhere

Getting out of debt can feel like a Herculean task. That’s particularly true today, when inflation-weary consumers are relying on credit cards to pay for everyday essentials. One recent study found that nearly half of credit cardholders carry a balance month-to-month, and a fifth of them have at least $20,000 of debt. With average interest rates around 22%, credit card debt can quickly spiral out of control. But it’s hardly Americans’ only source of borrowing trouble.