Personal Finance
Use Bankrate's advice and tools to help make all of your personal finance decisions.
Latest Articles
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Current credit card interest rates
View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts.
4 min read May 08, 2025 -
Pros and cons of debt consolidation: Is it a good idea?
Weigh the pros and cons to decide if debt consolidation is right for your situation.
6 min read May 07, 2025 -
Debt management plans: What you need to know
If you are overwhelmed with debt, a debt management program could provide relief.
7 min read May 06, 2025 -
How to get debt relief
The form of debt relief you’re looking for will affect where you can get it.
6 min read May 06, 2025 -
Should you handle debt or build an emergency fund first?
Learn when to pay down debt first and when to prioritize your emergency savings.
5 min read May 05, 2025 -
Can you tackle debt relief on your own?
Learn how to manage debt on your own — and when to consider other options.
5 min read May 05, 2025 -
The psychological benefits of paying off debt
When debt is paid off, the benefits go well beyond the bank.
4 min read May 05, 2025 -
Do you have too much debt?
Relying on credit and ever-increasing balances are signs you may have too much debt.
7 min read Apr 30, 2025 -
How to calculate your debt-to-income ratio, and why it matters
DTI is your monthly debt divided by your gross monthly income. Here’s what to know.
5 min read Apr 30, 2025 -
When to use a personal loan to pay off credit card debt
Taking on still more debt in pursuit of a goal can sometimes make sense. Here’s when.
5 min read Apr 30, 2025