Keisha Vafiades

Keisha Vafiades

Friendly bacon lover. Freelance reader. Subtly charming internet fan. Infuriatingly humble web expert. Typical introvert. Subtly charming tv enthusiast.

47 Total Articles
Can Loans Be Taxed? A Comprehensive Guide

Can Loans Be Taxed? A Comprehensive Guide

When it comes to taxes, not all loans are created equal. While most loans are not considered income and are usually not...

Understanding How Commercial Banks Repay Loans

Understanding How Commercial Banks Repay Loans

When a bank creates a loan, it also creates a verifiable deposit of the same amount. Banks make money from the interest...

Which Loans Bear Interest and How to Make the Most of Them

Which Loans Bear Interest and How to Make the Most of Them

When it comes to financing your college education, it's important to understand the different types of loans available...

Can You Repay Your Personal Loans in Advance?

Can You Repay Your Personal Loans in Advance?

Yes, you can usually pay off a personal loan ahead of time. However, this may come at a cost depending on your lender.

Why Your Loan Application Was Denied and How to Improve Your Chances

Why Your Loan Application Was Denied and How to Improve Your Chances

Getting a loan can be a daunting task, especially if you don't know why your application was denied. It's important to...

What Loans Qualify for Public Service Loan Forgiveness?

What Loans Qualify for Public Service Loan Forgiveness?

A Public Service Loan Forgiveness (PSLF) qualifying loan is any non-default loan received under the William D. Ford...

Who Lends Tools? A Comprehensive Guide to AutoZone's Loan-A-Tool Program

Who Lends Tools? A Comprehensive Guide to AutoZone's Loan-A-Tool Program

Renting tools can be a great way to save money and get the job done right. AutoZone's Loan-A-Tool program is one of the...

Are Loans Tax-Deductible? A Comprehensive Guide

Are Loans Tax-Deductible? A Comprehensive Guide

When it comes to taxes, it's important to understand what is and isn't deductible. While personal loans are not...

Understanding Prepayment Penalty Rules for Loans

Understanding Prepayment Penalty Rules for Loans

A prepayment penalty is a fee that a lender charges a borrower if they pay off all or part of the principal of the loan...

Who Lends Money to the US Government and What Are the Implications?

Who Lends Money to the US Government and What Are the Implications?

Banks, investors, the Federal Reserve, state and local governments, mutual funds, pension funds, insurance companies and...

How Does a Personal Loan Impact Your Credit Score?

How Does a Personal Loan Impact Your Credit Score?

The formal application for a personal loan triggers a rigorous credit check, which is a more thorough evaluation of your...

The Best Online Loans: A Comprehensive Guide

The Best Online Loans: A Comprehensive Guide

Are you searching for the best debit card advances online? With numerous options to choose from, it can be challenging to ...

Are Personal Loans Taxable? A Comprehensive Guide

Are Personal Loans Taxable? A Comprehensive Guide

Since a loan means you're borrowing money from a lender or bank, it's not considered income. Income is defined as the...

What Loans are Eligible for Public Service Loan Forgiveness (PSLF)?

What Loans are Eligible for Public Service Loan Forgiveness (PSLF)?

Are you looking for ways to reduce your student loan debt? Public Service Loan Forgiveness (PSLF) is a federal program...

5 Tips to Increase Your Chances of Getting Approved for a Personal Loan

5 Tips to Increase Your Chances of Getting Approved for a Personal Loan

Getting approved for a personal loan can be a daunting task, but it doesn't have to be. By following these five tips, you ...

Will Loans Help My Credit Score?

Will Loans Help My Credit Score?

When used responsibly, personal loans can be a great tool to help you create and maintain a good credit score. There are...

How Quickly Can You Receive Money from Probable Loans?

How Quickly Can You Receive Money from Probable Loans?

If you're looking for a loan and have a bad credit history, you may be considering a Probable Loan. Probable Loans are a...

Can Loans Garnish Wages? A Comprehensive Guide

Can Loans Garnish Wages? A Comprehensive Guide

Wage garnishment is a process that can be used to force loan holders to pay overdue student loan balances. When a loan...

Where Do Student Loans Extend: An Expert's Perspective

Where Do Student Loans Extend: An Expert's Perspective

The Department of Education (Department) recently announced an extension of the student loan payment break, providing...

What Loans Don't Qualify for Public Service Loan Forgiveness?

What Loans Don't Qualify for Public Service Loan Forgiveness?

Public Service Loan Forgiveness (PSLF) is a federal program that offers debt relief to borrowers who work for a...

Can Loans Really Affect Your Credit Score?

Can Loans Really Affect Your Credit Score?

The amount and age of a loan can have an impact on your credit score. But it's not just the loan itself that affects your ...

How Banks Create Money Through Loans

How Banks Create Money Through Loans

Money is created when banks lend. The rules of double-entry accounting dictate that when banks create a new loan asset,...

Can You Transfer Your Loan to Someone Else?

Can You Transfer Your Loan to Someone Else?

The answer to this is yes, you can transfer your personal loan to someone else. There are some banks or non-bank...

Do Loans Contribute to Credit Score? A Comprehensive Guide

Do Loans Contribute to Credit Score? A Comprehensive Guide

Making on-time payments and keeping up with your credit obligations is essential for maintaining a good credit score. But ...

Who Lends Money for Land? A Comprehensive Guide

Who Lends Money for Land? A Comprehensive Guide

Buying land can be an exciting prospect, but it often requires a loan. Mortgage loans are a financing option used to...

Are Loans to a Company the Right Choice?

Are Loans to a Company the Right Choice?

Financing is the process of providing funds for business activities, making purchases or investing. Intermediate...

How Loans Impact Your Credit Score

How Loans Impact Your Credit Score

If yours is, it could be taken into account when calculating your credit ratings. Personal loans could be reported to...

Where are the Loans on the Balance Sheet? A Comprehensive Guide

Where are the Loans on the Balance Sheet? A Comprehensive Guide

Long-term loans are considered long-term liabilities, but the sections of these loans appear in the 'current liabilities' ...

Can Loans Be Forgiven? - Exploring Your Options for Repaying Student Loans

Can Loans Be Forgiven? - Exploring Your Options for Repaying Student Loans

In certain situations, you can request the forgiveness, cancellation, or discontinuation of your federal student loans....

Understanding Loans and Interest: A Comprehensive Guide

Understanding Loans and Interest: A Comprehensive Guide

When it comes to borrowing money, interest is the price you pay for the privilege. When a lender grants a loan, you get...

Will Student Loans Be Forgiven in 2021?

Will Student Loans Be Forgiven in 2021?

Borrowers with federal student loans from the FFEL program and federal Perkins loans had been excluded from the PSLF...

What loans does the federal government guarantee?

What loans does the federal government guarantee?

Secured mortgages, federal student loans, and payday loans are examples of secured loans. There are circumstances that...

What Loans Are Forgiven When You Die?

What Loans Are Forgiven When You Die?

When it comes to debt, most of us are aware that it must be paid through our estate in the event of death. However, there ...

Can I Get a Loan from the Federal Government?

Can I Get a Loan from the Federal Government?

The federal government does not offer grants or “free money” to people to start a business or cover personal...

Who Can Lend You Money?

Who Can Lend You Money?

When you need money, there are a variety of options available to you. From traditional banks and credit unions to digital ...

Are Loans Considered Financial Aid?

Are Loans Considered Financial Aid?

Financial aid is money to help pay for college or career school. Grants, study and work, loans and scholarships help make ...

Who Lends Conventional Mortgages? An Expert's Guide

Who Lends Conventional Mortgages? An Expert's Guide

A conventional mortgage or loan is a homebuyer loan that is not offered or guaranteed by a government entity. It is...

Understanding Credit, Loans, and Debt Repayment

Understanding Credit, Loans, and Debt Repayment

When it comes to managing your finances, understanding credit, loans, and debt repayment is essential. Credit is a form...

Why Are Loans Refused? A Comprehensive Guide

Why Are Loans Refused? A Comprehensive Guide

Getting a loan can be a daunting task, especially if you have a low credit score or a high debt-to-income ratio....

Are Loans Worth It? A Comprehensive Guide

Are Loans Worth It? A Comprehensive Guide

If you owe a substantial balance on one or more high-interest credit cards, taking out a personal loan to pay them off...

Public Service Loan Forgiveness: What Types of Loans Are Eligible?

Public Service Loan Forgiveness: What Types of Loans Are Eligible?

Public Service Loan Forgiveness (PSLF) is a federal program designed to help student loan holders by completely...