The IRS has just announced it is waiving the estimated IRS underpayment penalty for millions of taxpayers who fell short this year.

Depression is one of the most harmful and pervasive conditions among Americans. It is on the rise among all age groups, but particularly among teenagers and young adults. This is leading many to ask, why are Millennials so depressed?

The debt settlement industry has grown rapidly since 2005, when it first became a widely available option for consumers. Currently, 14 states limit access to debt settlement services, but it remains widely available in 36 states and the District of Columbia. Granted, it is still a controversial financial service and is strongly criticized by individuals and organizations like the National Consumer Law Center. Despite ongoing controversy, however, it is now a significant part of the debt relief sector — as well as an important contributor to the U.S. economy. This study compiles available data sources in search of a better understanding of how the industry works.

If you are a demographic economics nerd – and why else would you be reading an article on average millennial income? – you have probably read headlines like these.

A Partial Pay Installment Agreement (PPIA) is one of the best tax relief programs you have ever heard about. Offers in Compromise (OIC) get all the attention for their “pennies on the dollar” debt reduction potential. But there is a lot to love about partial pay installment agreements. In some cases, partial pay installment agreements provide an even better deal. They are certainly easier and faster to qualify for than OIC.

Few things in life impact your financial health more than your credit score. Even someone with a great job and plenty of money in the bank could find themselves denied for a loan or a lease application if they have a poor credit score. This raises an important question. How long will it take to improve your credit score?

A college education can be a great investment. College graduates earn 66% more than workers with just a high school diploma. And over their lifetime, the average college graduate earns around $1 million more than workers who didn’t receive a postsecondary education.

Banks are notorious for sneaking in fees you didn’t even know existed. Take for example, bank teller fees, check copy fees, early account closure fees, and the grandaddy of them all, the non-sufficient fund, or NSF, fee.

A bad credit score affects more people than you may think. Roughly 77 million Americans have a debt payment that is at least 180 days past due (source). If you are one of them, you may struggle to find lenders who will accept your loan applications. This guide explains in detail what options are available to people for debt consolidation with bad credit.

The minimum credit score to qualify for a home loan depends on the mortgage program you use. VA home loans don’t have a minimum credit. If you’re looking for a conventional mortgage, you need a credit score of at least 620. The minimum credit score to apply for an FHA mortgage is 500, but that’s only if you are ready to put down a 10% down payment. It’s not as complicated as it sounds. Honest. Read on to find out what your score needs to be to buy your next home (and how to get it there).