A little elbow grease goes a long way to improving your finances.

These factors impact the interest rates that are charged to you.

Do I have to keep paying high finance charges forever?

A guide to understanding how credit card interest works, and how you can subsequently lower your own credit card interest.

You might be paying no interest, but this is only temporary.

Your commitment to become debt free through credit counseling can be rewarded through lower interest rates on your credit cards.

Believe it or not, you must earn lower interest rates through responsible financial behavior.