Are Sallie Mae student loans federal or private?
Sallie Mae has a long history, but currently it offers only private loans.
4 min read
Mar 27, 2024
Michelle Black
Contributing writer
Highlights
- Founder of CreditWriter.com
- Shares over 19 years of experience as a credit expert
- Featured in FICO, Experian, Forbes, U.S. News & World Report and Reader's Digest, among others
Experience
Michelle Lambright Black is a credit expert with over 19 years of experience, a freelance writer and a certified credit expert witness. In addition to writing for Bankrate, Michelle's work is featured with numerous publications including FICO, Experian, Forbes, U.S. News & World Report and Reader’s Digest, among others. She specializes in credit reporting, credit scoring, the intersection of credit and financing (business, mortgages, credit cards, loans), budgeting and identity theft.
Michelle is also the founder of CreditWriter.com—a blog that aims to help people take charge of their credit and finances so they can lead happier, less stressful lives. She’s a firm believer that everyone deserves a second chance (or a 20th chance) when it comes to money management, and that any credit situation can be improved with the right plan and hard work.
When she isn’t writing or speaking about credit and money, Michelle loves to travel with her family. She also enjoys taking Tae Kwon Do classes with her children. Michelle, her son, and her daughter all hold first-degree black belts.
Michelle's latest articles
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Saver’s tax credit: A guide to the retirement savings incentive
The tax break is designed to help eligible taxpayers boost their retirement savings.
3 min read Feb 28, 2024 -
Hard credit check vs. soft credit check: What’s the difference?
Not all credit inquiries are equal. Here’s what you need to know.
5 min read Apr 12, 2023 -
Student loan forgiveness for teachers: What you need to know
Student loan forgiveness for teachers is available in a few forms.
5 min read Oct 14, 2022 -
Why lenders use these 5 factors to best measure your credit risk
Knowing what impacts your FICO score is key to improving your credit. Here are the top five factors that lenders pay the most attention to.
5 min read Aug 15, 2022 -
Solutions for identity theft victims during the government shutdown
Identity theft victims still have plenty of options, even amid the government shutdown.
4 min read Jan 23, 2019