Chat with Us
Hello! How can I assist you today?
Education Center
Resources & Knowledge for a Secure Financial Future
Take Charge America is dedicated to improving financial literacy among people from all backgrounds facing a variety of financial challenges. Bookmark this page to reference whenever you have a financial question, concern, or opportunity.
- Programs for Debt Relief: The 5 Types of Relief and Who They’re For
- Divide and Switch: A Smarter Way to Handle Money as a Couple
- Meet Amy Ross: Helping Bring Accessible Financial Education to Adults with IDD
- Housing Counseling Can Do More Than Prepare You to Buy a Home
- Consumer Credit Counseling vs. Debt Settlement Companies: What Costs Less in the Long Run?
- Debt Relief Companies: Before You Sign an Agreement
- 2026 Tax Season: How to Turn Your Refund into Financial Progress
- How to Choose a Credit Counseling Agency: 7 Ways to Spot the Real Ones (and Avoid the Rest)
- The Trick to Feeling Good (Without Putting It on a Credit Card): Tips to Build a Healthy Money Mindset
- Credit Counseling Services: A Step-By-Step Guide
- Trump Administration Calls for 10% Credit Card Interest Rate Cap: What It Could Mean for Your Wallet.
- How to Prepare for a Home Purchase as HUD Funding Faces Major Cuts
- Joint vs. Cosigned Loans: What You Need to Know Before Saying Yes
- Understanding Your Rights as a Renter
- How to Automate Your Financial Life
- Demystifying Your Credit Score: How to Read Your Credit Report & Improve Your Score
- How to Create a Family Budget That Works for Everyone
- 5 Reasons to Avoid Store Credit Cards
- 7 Creative Ways to Save on Back-to-School Costs
- How Do Debt Relief Programs Impact Credit Scores?
- Five Questions to Ask Before Declaring Bankruptcy
- Fair Housing: Do You Know Your Rights When Buying and Renting?
- How to Avoid Subscription Overload
- How to Help Teens Use Peer-to-Peer Payment Apps Safely
- Can You Get a Loan While on a Debt Management Plan?
- How to Be Successful on a Debt Management Plan
- Use the Holidays to Teach Kids About Money
- How to Enroll in a Debt Management Plan
- The Pros and Cons of Debt Management Plans
- How Do You Know When It’s Time to File Bankruptcy?
- Life After a Debt Management Plan -†What Comes Next?
- Get to Know Different Types of Savings Accounts
- What Are Debt Management Plans and How Do They Work?
- How Many Credit Cards Should You Have?
- Learn to Recognize Holiday Spending Triggers
- How to Balance the Holidays with Inflation
- Should You Use Savings to Pay off Debt?
- How Long Does it Take to Improve Credit?
- Common Questions About Credit Card Balance Transfers
- How Do Credit Scores Affect Your Life?
- 5 Signs You Need a Debt Relief Program
- How to Manage Your Finances When Going on Strike
- How to Dispute Debt in Collections
- Debt Management Plans vs. Bankruptcy
- Does Paying a Debt Collector Help Credit Scores?
- Will a Debt Management Plan Affect My Mortgage?
- Debt Settlement Pros and Cons of This Debt Relief Option
- How to Beat Inflation When Back-to-School Shopping
- How to Use Debt Consolidation to Improve Credit
- The Pros and Cons of Consumer Credit Counseling
- How to Get Out of Debt Without Filing Bankruptcy
- How Do I File Chapter 13 Bankruptcy?
- How Do I File Chapter 7 Bankruptcy?
- Common Questions About Bankruptcy
- Get to Know 5 Types of Debt Relief Programs
- How Do Debt Consolidation Loans Work?
- How Many Times Can You File Bankruptcy?
- Financial Responsibilities for High School Graduates
- Is It Possible to Pay Down Debt In Retirement?
- 6 Ways to Minimize Food Waste and Save Money
- What Are the Alternatives to Bankruptcy?
- Is Your Romantic Partner Financially Unstable?
- How to Save Money on Yard Work
- 5 Tips to Manage Financial Stress
- 7 Helpful Tips for New Credit Card Users
- What You Need to Know About Surge Pricing
- Explore These 5 Alternatives to Credit Cards
- How to Use Mobile Payment Apps Safely
- What You Need to Know About Retail Credit Cards
- 5 Creative Ways to Use Your Tax Refund
- How Couples Can Marry Spending Styles
- Laid Off? Keep the Cash Flowing with Gig Work
- 5 Easy Ways to Automate Your Savings
- Tips to Overcome Temporary Financial Hardships
- Wage Garnishment: What You Need to Know
- What is Shrinkflation (And Why Does it Matter)?
- How to Effectively Communicate with Creditors
- Tips to Pay Off Holiday Debt Quickly
- The Best Things to Buy at After-Christmas Sales
- Top Tips for Holiday Returns
- Learn How to Decode Credit Card Offers
- 9 Tips to Stick with Financial Resolutions in 2023
- Why Did My Credit Card APR Increase?
- Preparing for a Recession: Save Money or Pay Off Debt?
- What Are the Consequences of Late Credit Card Payments?
- Beware of Holiday Money Hazards
- 9 Ways to Save on Thanksgiving Dinner
- Learn How Emotions Can Affect Your Finances
- Understanding the Difference Between Needs and Wants
- 6 Tips to Survive Between Jobs
- Dealing with Debt as You Approach Retirement
- Understanding the Eviction Process
- Know the Risks of Credit Card Cash Advances
- 7 Things to Buy Now (Before They Get More Expensive)
- How to Talk with Kids About Inflation
- How to Avoid a Foreclosure: Three Steps that Can Save Your Home
- How to Save Money on Kids’ School Lunches
- When Should You Close a Credit Card?
- The Pros and Cons of Payment Advance Apps
- Be Prepared for Unexpected School Expenses
- When Should You Seek Credit Counseling?
- Financial Lessons We Can Learn from Gen Z
- Why Does My Credit Score Fluctuate So Much?
- The Hidden Dangers of Buy Now, Pay Later Services
- 7 Ways to Save Money on Dorm Room Essentials
- 5 Tips for Renting After Eviction
- 6 Super-Fun and Frugal Staycation Ideas
- 6 Ways to Stretch Your Vacation Budget
- The Hidden Costs of Moving Out of State
- Get to Know These Misunderstood Financial Products
- How to Avoid Overdraft Fees
- Easy Ways to Get Your Home Ready for Summer
- What To Do If You Can’t Make Your Car Payment
- Financial Calculators Help You Plan Your Future
- Are You Contributing to Your Financial Anxiety?
- Financial Topics for High School Graduates
- How to Host a Graduation Party on a Budget
- Understanding the Impacts of Foreclosure
- 7 Tips for Financial Spring Cleaning
- The Truth About Payday Loans
- Is Credit Card Churning a Good Idea?
- Quick Tips to Save Money on Gas
- Know These 5 Supermarket Spending Traps
- How to Help Your Teen Ace Their First Job
- Watch for 5 Signs of Contractor Scams
- 5 Common Questions About Debt Collectors
- Here’s What to Do if You Can’t Pay Rent
- Learn Your Debt Consolidation Options
- How to Adjust Your Budget Before You Quit Your Job
- Watch for These Financial Red Flags with Roommates
- Be On the Lookout for These Travel Freebies
- Have You Heard of a Credit Builder Loan?
- The Pros and Cons of Using Credit Cards for Holiday Shopping
- 6 Holiday Gifts that Don’t Cost Money
- How to Avoid Holiday Scams
- Don’t Go Broke with Holiday Houseguests
- How to Talk About Money in a New Relationship
- New Rules for Public Service Loan Forgiveness
- Do These “Frugal” Habits Really Save Money?
- Beware of Scams Targeting Military Members
- Are You Missing Out On Government Benefits?
- Tips for Mixing Family and Finances
- What Parents Need to Know About Student Loans
- What Are Your Debt Relief Options?
- Tips for an Easy Fall Finance Checkup
- What to Expect from Credit Counseling
- 5 Times You Should Opt Out to Save Money
- 5 Things You Didn’t Know You Could Rent
- Wedding Insurance -†What Is It and Do You Need It?
- Snowballs and Avalanches: 2 Popular Ways to Pay Off Credit Card Debt
- How to Adjust Your Budget for Rising Prices
- The Seven Types of Student Loan Deferment
- 5 Things to Never Say During a Job Interview
- How to Handle Errors on Your Credit Report
- How to Find Free Summer Lunch Programs for Kids
- 5 Smart Ways to Use Home Equity
- Online or Phone Credit Counseling -†What’s Right for You?
- How to Calculate Your Credit Score
- Who’s Who On Your Homebuying Team
- How to Rebuild Your Finances After Bankruptcy
- 6 Tips to Rent an Apartment with Bad Credit
- 5 Questions to Ask Before You Lend Money to a Friend
- Start Planning Your Post-Pandemic Finances
- Down Payment Assistance Programs Help First-time Homebuyers
- Teach Your Teens These Credit Card Lessons
- Save Money with These Multitasking Products
- 5 Smart Ways to Use the Latest Stimulus Payment
- 5 Fun and Educational Financial Apps for Kids
- How to Bounce Back After Unemployment
- How to Negotiate Bills During the Pandemic
- Should I Ask for a Credit Limit Increase?
- Get Ready to File Your 2020 Taxes
- Are You Making These Online Shopping Mistakes?
- Adding an Authorized User – What You Need to Know
- The Most Important Financial Lessons of 2020
- What Happens with a Credit Card Delinquency?
- How to Know When It’s Time to Break Up with Your Bank
- Busting 5 Common Credit Card Myths
- Everything You Need to Know About Credit Limits
- Get Ready for COVID-19 Student Loan Forbearance to End
- Save Money with Black Friday Shopping Online
- 5 Unexpected Expenses of Having a Baby
- Avoid These First-Time Homebuyer Mistakes
- Vacation Canceled? Use the Funds to Support Your Financial Goals
- 5 Home Repairs You Can’t Ignore
- How to Adjust to Adult Kids Coming Home During the Pandemic
- How to Discuss Finances with Your Aging Parents
- How to Spot Work-from-Home Scams
- Financial Considerations When Renting an Apartment
- Do You Need Housing Counseling & Homebuyer Education?
- 5 Tips to Help You Pay Bills on Time, Every Time
- How to Recognize the Signs of a Gambling Problem
- Buy Now, Pay Later Loans — What You Need to Know
- Avoid These 5 Pandemic Money Mistakes
- Busting the Myths About Credit Repair
- 7 Common Habits of Debt-Free People
- Tips to Prepare Yourself for a Career Change
- How to Cut Back to a Bare Bones Budget
- What You Need to Know About Bank Accounts for Teens
- You’ve Run Out of Emergency Savings — Now What?
- What You Need to Know About Private Student Loans
- 5 Tips for Job Hunting During the Pandemic
- Back-to-School Expenses in the Age of COVID-19
- What is a Charge-Off & How Does it Affect Credit?
- 7 Ways to Save on Everyday Essentials When Shopping Online
- Is DIY Credit Repair a Good Idea?
- Do You Believe These Myths About Bankruptcy?
- Should I Use Retirement Savings to Pay for Emergencies?
- How to Read Medical Billing Statements
- 5 Tips for a Successful Video Interview
- Hang On to These Quarantine Money Habits
- Why Do Creditors Close Credit Cards Without Notice?
- Home Improvements? Ask Yourself These Questions First.
- Summer Vacation Canceled? Try These Staycation Ideas.
- 5 Things You Should Do While You’re on Furlough
- How to Get Refunds for Canceled Travel Due to COVID-19
- You’re Graduating During a Pandemic — Now What?
- How to Save On Utilities When Working from Home
- Tips to Save on Auto Insurance During the COVID-19 Pandemic
- What to Do if You Can’t Pay Your May Bills
- How to Talk to Kids About Money During the COVID-19 Pandemic
- The Do’s & Don’ts of Using Credit Cards During a Financial Crisis
- Tips to Make it Through the Pandemic Cash Crunch
- Cheap or Free Things to Do While Social Distancing
- Understand These Financial Terms Related to COVID-19
- Creditors Offer Assistance for COVID-19 Circumstances
- What Really Happens When You Only Make Minimum Payments
- How Do I Pay My Student Loans When Living Abroad?
- Understanding the Consequences of Bankruptcy
- Stretch Your Food Budget by Planting a Garden
- Tax Refund Advance: What You Need to Know
- The Best Things to Buy from Presidents Day Sales
- 6 Bills You Didn’t Know You Could Negotiate
- 6 Steps for Handling Credit Card Fraud
- 5 Tips for Planning a Vacation Budget
- Financial Considerations When Getting Remarried
- Expenses to Cut from Your Budget in 2020
- 5 Most Popular Blog Posts of 2019
- 5 Easy Ways to Cut Down on Financial Clutter
- Financial Resolutions for Generation Z
- Considering Credit Repair? Here’s What You Need to Know.
- Getting Started with Student Loan Repayment
- Online Installment Loans: What You Need to Know
- 6 Ways to Save Money on a Rental Car
- Don’t Let Your Kids Catch You Making These Money Mistakes
- What are the Alternatives to Credit Card Cash Advances?
- 7 Tips for a Profitable Garage Sale
- The Pros and Cons of Credit Cards
- 5 Questions to Ask Yourself Before Declaring Bankruptcy
- 5 Smart Ways to Increase Your Earning Power
- 5 Ways to Save Money on a New Computer
- 5 Ways to Save on Halloween Costumes
- 5 Ways Spenders and Savers Can Find Common Ground
- Tips for Managing Friendship and Finances
- What is Credit Utilization (And Why Does it Matter?)
- 5 Surprising Personal Finance Beliefs
- Tips to Manage Your Digital Wants and Needs
- The Fundamentals of Building a Credit History
- What Are Credit Card Hardship Programs?
- 6 Steps to Take if Your Vehicle is Repossessed
- Make Extra Money When You Cash in on Kids’ Stuff
- Are You Heading for a Financial Meltdown?
- 5 Ways to Save Money on Prescriptions
- Credit Lock or Credit Freeze. What’s the Difference?
- Debunking 6 Myths About Credit Reports and Scores
- 5 Tips to Help Adult Children Move Out on Their Own
- Conduct a Mid-year Financial Resolution Checkup
- 6 Hints for Planning a Budget with Tip Income
- How to Stay Out of Debt Once You Pay it Off
- Beyond Emergency Savings – Start Saving for These Priorities
- The Pros and Cons of All-Inclusive Resorts
- 5 Ways to Save Money on a New Hobby
- How to Make the Most of Your Health Insurance
- Save Money with a No-Spend Weekend
- 5 Financial Tips for New College Graduates
- 6 Simple Ways To Reduce Expenses During Retirement
- 5 Easy Ways to Simplify Your Financial Life
- 5 Things to Do During the Student Loan Grace Period
- 5 Ways to Save Money on Easter Celebrations
- Missed a Credit Card Payment? Here’s What Happens.
- It’s Your Day! Enjoy these Birthday Freebies.
- Debunking the Top 5 Excuses for Missing Credit Card Payments
- Discover 2 Free Ways to Potentially Increase Your Credit Score
- It’s Time to Cut the Cord and Save Money
- Understanding the Differences Between Banks and Credit Unions
- 5 Smart Ways to Use an Insurance Settlement
- Learn the Warning Signs of Child Identity Theft
- The Truth About Mystery Shopping
- What Happens During the Credit Repair Process
- 7 Cheap & Fun Valentine’s Day Date Ideas
- 10 Financial Milestones for Kids of All Ages
- 5 Financial Lessons to Learn from Minimalism
- 5 Essential Lessons to Live a Debt-free Life
- These Inexpensive Cold Remedies Help You Feel Better Fast
- How to Make the Most of an Accountability Partner
- Try These 5 Easy, Low-Cost Ways to Redecorate
- How to Save Money on Holiday Baking
- Minimize Holiday Stress to Spend Less
- Try These Money-Saving Alternatives to a Holiday Party
- 7 Small Appliances to Help You Save Money
- Learn the Do’s and Don’ts of Thrift Store Shopping
- Are You Financially Prepared for Your First Apartment?
- How to Celebrate Friendsgiving on a Budget
- 5 Easy Ways to Avoid Financial FOMO
- Discover the Benefits of Online Credit Counseling
- 7 Fun Ways to Use Leftover Halloween Candy
- How to Conduct a Family Financial Audit
- 5 Things to Do Before You Quit Your Job
- Discover the Hidden Costs of Pet Ownership
- Do These 5 Things on Sunday Night to Save Money All Week
- Strategies to Help You Reach Your Savings Goals
- 6 Employment Perks That Go Beyond Salary
- Save Money with Fantastic Fall Bargains
- Stop Paying the Pink Tax – What You Need to Know
- Have Fun with Cheap or Free Fall Activities
- 7 Times it Makes Sense to Pay More
- Tips for Talking to Young Adults About Money
- Beware of these 7 Red Flags for Renters
- 6 Ways to Save Money When Shopping Online
- Tips for an Easy Fall Finance Checkup
- 5 Fun and Frugal Ways to Spend Labor Day
- 6 Tips to Help You Choose the Right Side Hustle
- 3 Ways to Use Home Equity Responsibly—And 2 to Avoid
- 4 Things Millennials Can Give Up to Save for Retirement
- 5 Ways to Save Money on Tutoring
- Lessons to Learn from Financial Setbacks
- Debt Settlement vs. Debt Management—What’s the Difference
- Top 10 Budget Date Night Ideas
- 5 Things You Didn’t Know About Credit Repair
- 5 Ways to Save on Self Care and Beauty Products
- 5 Ways to Save Money During Pregnancy
- Tips to Help You Handle Unexpected Expenses
- Learn How Debt Settlement Affects Your Credit Score
- 20 Money-saving Ways to Use Vinegar
- 5 Questions to Ask Yourself Before Making a Purchase
- Try These 7 Money-saving Camping Tips
- How to Make Appliances Last Longer
- 20 Money-saving Ways to use Baking Soda
- 5 Ways to Save Money as a Bridesmaid
- 5 Ways to Save Money with Subscription Boxes
- Tips to Manage the Costs of Growing Kids
- Here’s What to Include in an Entertainment Budget
- 5 Cheap & Easy Ways to Boost Curb Appeal
- 5 Tips to Increase Your Chances of Getting a Raise
- What You Need to Know About Travel Insurance
- 5 Essential Financial Moves for New Parents
- How to Save Money While Losing Weight
- What to Know About Skimmers, Shimmers and Card Security
- Try These Money-saving Baby Shower Ideas
- The Consequences of Student Loan Default
- 5 Simple Tips to Organize Your Finances
- 5 Things Millennials Need to Ask Before Moving Away from Home
- What is Student Loan Rehabilitation (And When Do You Need It)?
- 7 Tips to Bounce Back from Financial Mistakes
- The Truth Behind 5 Debt Settlement Myths
- 7 Ways to Save on College Living Expenses
- Explore These Alternatives to Debt Settlement
- How to Evolve Your Budget as a First-time Homeowner
- What is Debt Consolidation and When Is it a Good Option?
- How to Get Teens Involved in Saving for College
- 5 Essential Money Moves to Start the New Year
- 5 Tips for Dealing with Medical Debt
- 5 Mistakes to Avoid During Mortgage Approval
- Affordable Activities for Senior Citizens
- Stop Kids’ Holiday Greed Before it Starts
- Here’s How to Stop Stress Shopping (and Save Money)
- 5 Essential Financial Lessons to Teach Your Kids
- 5 Ways to Save as a Holiday Party Guest
- 5 Ways to Save on Out-of-Pocket Health Care Costs
- What’s the Big Deal about Emergency Savings?
- Avoiding Scams on Craigslist, OfferUp and Letgo
- Is Multi-Level Marketing Right for You?
- 5 Financial Benefits of Attending Community College
- The Equifax Breach: What You Need to Know to Protect Yourself
- Better safe than Sorry financial disaster prep
- After the equifax breach what to do now
- Post-Disaster Financial Checklist
- What Happens to Debt After Death?
- The Many Downsides of Being Unbanked
- Savings Stalled? 5 Ways to Get Back to Basics
- How to Survive a Cash Crunch Without Using Credit Cards
- Our 5 Favorite Quotes About Saving Money
- How to Remodel Your Home on a Budget
- Throw a 4th of July BBQ for Less
- 5 Ways to Save on Baby Basics
- Hard vs soft credit pull whats the difference?
- 5 Easy Ways to Cut Your Grocery Bill
- 5 Ways to Save Money on Kids’ Summer Camp
- The Pros and Cons of Meal Kit Delivery
- 5 Ways to Take Your Social Life Outside
- 5 Awesome Summer Jobs for Teachers
- 5 Tips to Plan the Perfect Prom for Less
- Don’t Believe These 7 Student Loan Myths
- Is a Credit Card Balance Transfer Right for You?
- How to Raise Your Child to Be a Saver
- 5 Uncomfortable Money Moments (and How to Handle Them)
- 5 Easy Tips for Smoother Tax Prep
- 5 Smart Money Moves for New Parents
- 5 Things to Do Before You Start a Job Search
- Seven Strategies for Paying Off Credit Card Debt
- Learn these DIY Skills to Save Big
- How to Set Up a Nursery on a Budget
- Stretch Your Entertainment Budget with Gift Cards
- Save Money on Caring for a New Pet
- Set Up a Home Gym on a Budget
- Throw a New Year’s Eve Party on a Budget
- How Much Rent Can You Afford?
- How to Save Money on Last-Minute Holiday Travel
- Tips for Smart Charitable Giving
- Guide to Creative Gift Giving
- How to Get Out of a Timeshare
- Financial Resources for Veterans
- Understanding Payroll Deductions
- How to Save Money During Cold and Flu Season
- Top 5 Reasons People Seek Credit Counseling
- 5 Things to Know about a Home-based Business
- Get Moving -†How to Save When Relocating
- Don’t Fall for Retail Spending Traps
- How to Beat the High Cost of Social Activities
- 7 Essential Financial Skills for Young Adults
- 5 Ways to Save on Your Next New Car
- 6 Smart Ways to Save Money on School Clothes
- The Latest Financial Scams Targeting Seniors
- Get Smart! 5 Ways to Save on College Textbooks
- No More Boring Budgets! 5 Ways to Make it Fun.
- Beyond babysitting 5 small businesses for kids
- Pros & Cons of Working in the Sharing Economy
- Life After Debt: Money Moves to Make When You Become Debt Free
- 5 Ways to Save on Funeral Costs
- 5 Ways to Save Money in the Airport
- Stay Away from these High-Interest Loans
- Shop and Save with Summer Best Buys
- 7 Simple Tips to Make Money Reselling Clothing
- 5 Overspending Triggers (and How to Beat Them)
- Closing Costs: What You Need to Know
- 5 Ways to Save Money as a Wedding Guest
- Awesome Cheap or Free Summer Activities for Kids
- Use Kids’ Allowances to Teach Financial Lessons
- 5 Ways to Save on Summer Driving
- Give Yourself a Raise (When the Boss Won’t)
- These Graduation Gifts are Better than Cash
- Pawn Shops: What You Need to Know
- Financial Lessons from the Tiny House Movement
- Secured, unsecured pre-paid cards which is best?
- Everything You Need to Know About Budgeting
- 5 Things to Never Put on a Credit Card
- Learn How to Monitor Your Credit
- The True Cost of Rent-to-Own Services
- What You Need to Know About Identity Theft
- Make the Most of Credit Card Rewards
- Smart Money Moves Following a Raise
- How to Prioritize Bills When You’re Low on Cash
- 5 Money Moves You’ll Regret
- The Lost Art of Making Do
- What You Need to Know About Deficiency Balances
- How to Save on Spring Gardening
- What to Do If You Default on Your Student Loans
- How to Save on Spring Cleaning
- 5 Cheap & Easy Natural Beauty Tricks
- Make Saving Money a Family Affair
- 5 Tips for Saving on Refurbished Electronics
- Use Kids’ Fundraisers to Teach Money Lessons
- What to Do if You Can’t Pay the Mortgage
- 5 Money Talks You Need to Have
- Are You Up for a Savings Challenge?
- 5 Cheap or Free Ways to Get Fit
- Tips for Eating Healthy on a Budget
- What The Federal Interest Rate Hike Means to You
- Set Yourself Up for Financial Success in 2016
- How to Budget with Inconsistent Income
- The Cure for your Holiday Debt Hangover
- Planning for Fixed Variable and Periodic Expenses
- How to Deal with Boomerang Kids
- How to Avoid Financial Disputes with Roommates
- 5 Things to Do if You Lose Your Job
- 6 Easy Ways to Save Money on Winter Clothes
- How to Save on Cell Phone Plans
- Try These 5 Crazy Ways to Save
- The Pros and Cons of Cosigning a Loan
- secured vs unsecured debt whats the difference?
- Does it Pay to Buy Generic?
- How to Save When Buying Appliances
- Easy Ways to Save on Airfare
- Are You Ready to Buy a Home?
- 5 Benefits of Maintaining Good Credit
- 5 Ways to Get Your Vehicle Ready for Winter
- 5 Things NOT to Do When Getting Out of Debt
- Top 5 Things to Buy in the Fall
- How to Furnish Your Home on a Budget
- Cheap and Easy Ways to Go Green
- 5 Smart Money Moves to Make in Your 40s
- 5 Ways to Save on a Honeymoon
- 5 Smart Money Moves to Make in Your 30s
- 5 Smart Money Moves to Make in Your 20s
- Healthy Financial Habits for Couples
- Easy Ways to Save on College Costs
- How to Evaluate a Job Offer
- Budgeting for a Teen Driver
- How to Negotiate a Raise
- 5 Signs You May be in Trouble with Credit Card Debt
- Do You Qualify for Public Service Loan Forgiveness?
- Beyond the Mortgage — Additional Costs of Homeownership
- 5 Easy Ways to Earn Extra Money
- Quit These Bad Habits to Save Money
- Tips for Borrowing Student Loans Wisely
- Creative Ways to Stretch Your Food Budget
- Student Loan Borrowers: Do You Have an FSA ID?
- Money-Saving Tips for Renters
- How to Save on Auto Maintenance
- How to Save Money on a Road Trip
- Help Your Teen Find the Right Summer Job
- Be on the Lookout for Senior Financial Scams
- 5 Ways to Save on Kids’ Birthday Parties
- Easy Ways to Save on Transportation Costs
- 5 Things to Never Keep in Your Wallet
- Find Free Fun at the Library
- The Do’s and Don’ts of Dollar Store Shopping
- Save on Home Repairs with a Spring Home Checkup
- 5 Ways to Save on Childcare Costs
- 5 Little-known Facts About Credit Cards
- Tips for Using Credit Cards Wisely
- Turned Down for a Mortgage? Prepare to Apply Again.
- Stock Your Pantry to Save Money on Food
- 5 Smart Things to do with Your Tax Refund
- How to Shop Smart at Warehouse Clubs
- Emergency Savings and Peace of Mind
- Valentine’s Day DIYs from the Heart
- Easy Tips for Getting Organized on a Budget
- Get a Side Job to Make Extra Money
- 4 Things You Didn’t Know You Could Rent
- Your 2015 Financial Goals
- The Best Budget-Friendly, Last-Minute Gifts
- New Twists on Old Financial Scams
- The Thrifty Homebuyer: How to Budget for Your First Home
- Steer Clear of Gift Card Scams
- Learn the Unbreakable Rules of Regifting
- For Better or Worse: Should Couples Marry Finances?
- Opt Out of the Black Friday Madness
- Winterize Your Home to Save on Heating Costs
- 10 Dos & Don’ts for Young Credit Card Users
- Cheap & Cheerful Holiday Party Ideas
- Top Tips for Thanksgiving on a Budget
- Save Money in Unexpected Ways
- Organizing Your Finances in Eight Easy Steps
- Save Money by Cleaning Green
- Is Financial Stress Affecting Your Health?
- How to Save Money When Dining Out
- Protecting Seniors from Identity Theft
- Celebrate Halloween on a Budget
- 7 Things That are Better to Buy Used
- Uncovering the Hidden Costs of Weddings
- Teaching Kids About Money With Financial Education Basics
- How to Handle the Home Depot Data Breach
- Learn How to Haggle and Save Big
- Credit Card Promotional Offers -" Understanding the Fine Print
- How to Save on Pet Care Costs
- Say No to these Unnecessary Upgrades
- Are You Financially Fragile?
- Easy Ways to Save Money on Clothing
- Free Resources to Help Improve Your Credit
- Reverse Mortgage 101: Debunking Common Myths
- Download These Money-saving Apps Now
- Busting the Myths of Student Loan Forgiveness
- How Do I Deal with Debt Collector Harassment?
- 5 Ways to Save Money on Moving
- Don’t Blow Your Student Loan Check
- How to Save Money on Home Improvements
- How Do Young Adults Establish Good Credit?
- What Your Kid Doesn’t Need for College
- Why You Should Celebrate Christmas in July
- Are You Committing Coupon Fraud?
- What is Nonprofit Credit Counseling?
- Signs of Housing Scams & Fraud
- Spring Break Travel Discounts May Come with “Baggage”
- Precautions for Co-signers
- How to Create a Workable Budget
- Do’s and Don’ts for Using Home Equity
- Financial Moves Before Marriage
- 10 Easy Ways to Save $50 This Month
- Feeling House Poor? 5 Tips to Simplify and Save
- What You Need to Know Before Borrowing Money for College
- Financial Tips for Older College Students
- Money-Saving Tips for College Students
- Did You Know? The Real Impact of Credit-Getting A Job
- Do’s and Don’ts of Negotiating Credit Card Interest Rates
- Back to School Budget Busters: How to Save on Supplies, Clothes & More
- What is a Reverse Mortgage?
- How to Save Money on Your Summer Vacation
- Housing Crisis Programs
- Getting Your Vehicle in Gear
- How to Spot and Protect Yourself from Online Job Scams
- Take an Interest in Your Interest
- Save Money on Summer Activities and Entertainment
- Internet Banking: Is it a Good Deal?
- Identity Theft Prevention Checklist
- How to Save Money on Homeowners Insurance
- The High Stakes of High-Cost Lending
- Back to School Back on Budget
- To Rent or Buy or a Home? 4 Factors You Need to Consider
- What to Know Before Closing a Credit Card
- Tips for Evaluating a Home Warranty Policy
- Do You Need Renters Insurance?
- How to Save Money on a Wedding
- Financial Checkups Throughout Marriage
- What You Need to Know about Deposit Insurance in the U.S.
- Your Prescription for Lower Health Care Costs
- Small Life Changes that Make a Big Difference
- Save Money on Pricey Pet Care Costs
- Did You Know? The Real Impact of Credit
- How to Save Money on Auto Insurance
- Your Rights As A Consumer Of Financial Services
- Did You Know? The Real Impact of Credit
- 6 Tips for Teaching Kids About Money
- Common Questions About Life Insurance
- Insurance Resources
- Dont fall for a tax refund tips to even the tax scale 2
- Financial Resolutions for the New Year
- How to Save on Holiday Gifts
- Financing a College Education
- 7 Alternatives to a Big-Budget Wedding
- How to Save on Holiday Parties and Gatherings
- Five Ways to Help Aging Parents Navigate Finances
- Mixing Family and Finances
- Tips on Saving for Retirement
- How to Prevent Identity Theft
- Tips for Assisting the Boomerang Generation
- Tips to Save Money on Moving Expenses
- Dos and Don'ts for Managing Your Credit Score
- How to Avoid Internet and Email Scams
- Tips for Tracking Your Expenses
- How to Start the “Money Talk” with Your Partner
- Try These Alternatives to Payday Loans
- Digest Financial Goals One Decade at a Time
- Money-Saving Tips for New Parents: Bringing Home Baby
- Tips for Organizing Your Finances
- Buying Insurance in Today’s World
- Financial Resources for the Unemployed
- Score Free Tax Help During March’s Tax Madness
- Tips for Saving Money on Summer Bills
- 5 Ways to Save on Groceries This Year
- Is a Reverse Mortgage Right for You?
- Your Declaration of Financial Independence
- Young Consumers and Credit Cards: How to Maintain Manageable Interest Rates
- How to Build an Emergency Fund
- Do's and Don'ts for Borrowing Money from Family and Friends
- What You Need to Know About a Short Sale
- Don’t Fall for a Tax Refund – Tips to Even the Tax Scale
- Can You Turn Your Hobby into a Business?
- How to Help Loved Ones with Money Problems
- Credit Cards: Advantages and Disadvantages for the Consumer
- Stop Paying These 5 Fees
- Top 10 Credit Card Terms
- Save Your Money – Plan A Spending Freeze
- Save Money On Prom – The Memories Are What Matter
- Don’t Just Accept Student Loan Debt
- 5 Ways Spring Cleaning Helps You Save
- Will Chip-and-Pin Technology Keep Your Data Safe?
- Save Money the SMART Way
- Start Small to Save Big – Easy Savings Solutions
- Easy Ways to Save Money on Valentine Day
- Educational Resources
- Do You Need Credit Counseling or Help with Debt?
- 5 Tips for Throwing a Super Bowl Party on a Budget
- Easy Ways to Turn Clutter Into Cash
- Avoid Holiday Debt by Planning Ahead
- Make the Most of Gift Cards
- Little Ways to Save Money Every Day
- Why Make Your New Year’s Resolutions at New Year’s?
- Phishing and the Target Data Breach
- 5 DIY Skills to Help You Save Money
- 5 Free Ways to Save on Heating Costs
- Is Lottery Fever Actually Good for You?
- Holiday Financial Scams and How to Avoid Them
- Deposit Advances: What You Need to Know
- Breaking Bad Budgeting Habits
- Budget Holiday Gifts with a Twist
- Free Online Learning Can Increase Your Earning Power
- Extreme Couponing or Extremely Annoying?
- Whole Foods Don’t Have to Cost Your Whole Paycheck
- Black Friday Savings and Shopping Tips
- Throw a Big Holiday Party on a Tiny Budget
- What We Can Learn from TLC – Extreme Cheapskates
- Tips for Making Holiday Travel More Affordable
- Do You Need to Know Your Credit Score?
- How Do You Plan To Pay Off Your Student Loans?
- Does it Make Sense to Lease a Vehicle?
Budgeting Guidance, By Popular Demand
Resources to Overcome Life’s Challenges
Financial, Legal & Health
We understand how financial struggles can impact many areas of your life. We've compiled a list of organizations offering consumer services and support.
View Resources
Veterans
Veterans can face unique financial and lifestyle challenges following their military service. We've compiled a list of resources to help them navigate those difficulties.
View ResourcesStart Your Free Credit Counseling Session
You can regain control of your money and peace of mind.
- Available online 24/7
- Save your progress & return later
- Easy process with clear instruction
- Download credit report summary
Need Help? Call Us
Monday - Friday, 6 AM - 6 PM MST
866-528-0588
EACH YEAR, Thousands Trust TCA to Eliminate Credit Card Debt and Regain Financial Freedom
Testimonial
Empowering Millions to Achieve Financial Freedom
Customer service is impeccable “Customer service is impeccable. I love everyone who works there — I couldn't have done it without your help, patience, and overall kindness. I wouldn’t want to go through a journey like this without your support. It's good to know there are still people who truly care. Thank you from the bottom of my heart. Keep up the awesome work you do. God bless you all — I feel truly blessed to have had your help.”
Monica
WI
One morning, when “One of the most important reasons TCA was so successful for me comes down to three things: The company is staffed with real professionals who understand debt management and provide honest guidance, advice, and encouragement — always with your best interest at heart. They recognize that life can throw curveballs and respond with support and understanding, not judgment. They truly care and genuinely want you to succeed!”Gregor Samsa woke from troubled dreams, he found himself transformed in his bed into a horrible vermin. He lay on his armour-like back, and if he lifted his head a little he could see his brown belly, slightly domed and divided by arches.
William
FL
Grateful “I’m truly grateful for this program — it gave me peace of mind. The staff is knowledgeable and ready to help. My experience has been great, and I recommend this company for your debt management needs.”
Georgina
CO
From beginning to the end ,I had a… “From beginning to end, I had a great experience with them. Great customer service — they took the time to explain everything to me and answer all my questions. I’m so happy I was recommended to you guys; that’s why I recommend all my friends who need to join.”
Claudia
CA
Need Help? Contact Us
Have questions or need support? Our team is here to assist you.
Call Us
877-357-6309© 2026 Take Charge America. All Rights Reserved.
Take Charge America, Inc. is NOT A LOAN COMPANY. We do not lend money.
Chat with Us
Font Resize
Contrast