Articles & guides
Guides, tips, and plain-English explainers about the Android apps we publish — written to be practical and easy to follow.
How to Spot an Illegal Loan App in India: The Red Flags That Matter
An illegal loan app is one that lends without a regulated entity behind it, and it gives itself away before the money arrives: no named…
Federal Student Loan Forgiveness: Which Programmes Exist and Who Qualifies?
Federal student loan forgiveness is not one programme but several separate routes: income-driven forgiveness after a set number of…
The Cooling-Off Period on a Digital Salary Advance: Your Right to Walk Away
A cooling-off period lets you exit a digital loan shortly after it is disbursed by repaying the principal plus the proportionate annual…
Filling Out the FAFSA Form: Contributors, Consent and the Deadlines That Matter
A FAFSA form is only complete when every contributor has their own account and every contributor has given consent, because a refusal from…
How to Negotiate or Settle a Defaulted Private Student Loan
Because a defaulted private student loan has no rehabilitation, no income-driven plan and no federal forgiveness behind it, negotiation is…
What Happens to Your Student Loan Payment When Your Income Changes?
On a fixed plan nothing happens: the payment is set by the balance and the term, not by your pay. On an income-driven plan the payment is…
Student Loan Refinancing Requirements: Credit and Income
Private refinance lenders generally want a completed degree, a steady and verifiable income, a credit score commonly reported in the high…
SAVE Has Ended: What Federal Student Loan Borrowers Should Do Next
SAVE ended by court order, so if you were on it you now have to move to a plan that still exists, starting with the first disbursement…
Federal vs Private Student Loans: Which Should You Take First?
Take federal loans first and private loans last, because a federal loan carries income-based repayment, deferment, and discharge…
How Federal Student Loan Interest Is Calculated Each Day
Federal student loan interest accrues every day, using the published formula (balance times rate) divided by 365.25. On a $30,000 balance…
The Effective APR on a Salary Advance Is Not the Rate in the Advertisement
An advertised rate on a salary advance usually quotes interest alone, while the effective APR counts every charge against the money you…
Repayment Assistance Plan or Tiered Standard: Which Plan Should You Pick?
Any loan disbursed from 1 July 2026 is repaid under one of exactly two plans: the Repayment Assistance Plan or the Tiered Standard Plan…