6 Jan, 2026

A modern illustration of a debt-to-income (DTI) gauge with green, yellow, and red zones. The needle points into the red “high risk” area. Faded icons in the background show major debt categories including a house, car, credit cards, and a graduation cap.

JamesF_CEO Credit & Debt Management

Debt-to-Income Ratio: Calculate Yours & Understand What It Means

DTI is a financial vital sign. If too much of your income is already spoken for, no budget trick will fix it. Here’s how to calculate your DTI, what it means, and when it’s time to get real help.

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1 Oct, 2025

A political cartoon-style illustration shows a young borrower standing at a locked Federal Aid Office window with a “Repayment Help, OUT OF SERVICE” drop box nearby. They hold a crumpled student loan bill and a cell phone screen showing “1hr 42min wait…” in frustration. In the background, the U.S. Capitol stands with a giant red “CLOSED” sign draped over it as paperwork labeled “Loan Forgiveness App,” “Income-Based Repayment,” and “Hardship Request” rains from the sky. Uncle Sam naps on a pile of “Shutdown Budget Talks” folders with a coffee mug reading “Good Luck, Kid.”

JamesF_CEO Consumer Protection & Debt Relief

How the Government Shutdown Impacts Your Debt, From Federal Loans to Credit Scores

The 2025 government shutdown has frozen key federal support for borrowers. Loan applications are delayed, hold times are spiking, and the risk of credit damage is rising. Here’s how to protect yourself until Washington reopens.

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20 Aug, 2025

A half-empty grocery cart with inflated price tags sits at a checkout counter. In the background, U.S. and China flags split apart in bold red, white, and blue political cartoon style, symbolizing rising costs from tariff wars.

JamesF_CEO Consumer Protection & Debt Relief

Tariffs Take Center Stage (Again): New Costs, Old Lessons, and the 2025 Debt Squeeze

With tariffs back in the headlines, prices are rising and so is household debt. This article breaks down what the 2025 trade wave means for your budget and what you can do to protect yourself.

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Tag: Nana Tilly

Debt-to-Income Ratio: Calculate Yours & Understand What It Means

How the Government Shutdown Impacts Your Debt, From Federal Loans to Credit Scores

Tariffs Take Center Stage (Again): New Costs, Old Lessons, and the 2025 Debt Squeeze

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Debt-to-Income Ratio: Calculate Yours & Understand What It Means

A Year of Building the Right Way

How the Government Shutdown Impacts Your Debt, From Federal Loans to Credit Scores

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