Credit and Debt Management

  1. Strategic Credit Management
    1. Building Credit History
      1. Starting Credit Journey
        1. First Credit Account Options
          1. Student Credit Cards
            1. Secured Credit Cards
              1. Credit Builder Loans
              2. Authorized User Strategy
                1. Benefits and Risks
                  1. Choosing the Right Account
                    1. Monitoring Impact
                    2. Credit Mix Development
                      1. Diversifying Account Types
                        1. Timing New Accounts
                          1. Managing Multiple Products
                        2. Credit for Major Purchases
                          1. Home Financing
                            1. Mortgage Pre-qualification
                              1. Down Payment Planning
                                1. Mortgage Shopping
                                  1. Closing Process
                                  2. Vehicle Financing
                                    1. Auto Loan Pre-approval
                                      1. Dealer Financing vs. Bank Financing
                                        1. Lease vs. Purchase Decisions
                                        2. Education Financing
                                          1. Federal Aid Applications
                                            1. Private Loan Options
                                              1. Borrowing Limits
                                                1. Repayment Planning
                                                2. Business Credit
                                                  1. Business Credit Cards
                                                    1. Small Business Loans
                                                      1. Equipment Financing
                                                        1. Working Capital Lines
                                                      2. Loan Agreement Analysis
                                                        1. Contract Review Process
                                                          1. Key Terms Identification
                                                            1. Fine Print Analysis
                                                              1. Comparison Shopping
                                                              2. Interest Rate Structures
                                                                1. Fixed vs. Variable Rates
                                                                  1. Rate Adjustment Mechanisms
                                                                    1. Rate Lock Options
                                                                    2. Fee Analysis
                                                                      1. Upfront Costs
                                                                        1. Ongoing Fees
                                                                          1. Penalty Fees
                                                                            1. Hidden Costs
                                                                            2. Repayment Terms
                                                                              1. Payment Schedules
                                                                                1. Early Payment Options
                                                                                  1. Default Consequences

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                                                                              4. Types of Credit Products

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                                                                              6. Debt Management Strategies