Debt hub

Debt and credit

Payoff strategies, borrowing costs, credit basics, and repayment tradeoffs.

Use this hub to compare payoff options and understand the true cost and risk of borrowing.

18 linked guides 4 coverage areas Jump to all guides

A generic house sits above two equal document trays, introducing questions about an existing mortgage recast and a replacement refinance loan.

Featured guide

Recast or Refinance a Mortgage? Compare Payments, Fees and Cash

Compare a possible mortgage recast with refinancing, principal-only repayment or keeping cash, using actual terms and clear cost boundaries.

Debt October 20, 2026 12 min read

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Debt and credit articles

001 Debt

Recast or Refinance a Mortgage? Compare Payments, Fees and Cash

Oct 20, 2026 12 min read

A generic compact-car silhouette sits above two equal trays holding a closed blank envelope and a closed blank folder, introducing saving and financing questions.

002 Budgeting

Save for a Car or Finance Now? Compare Cost, Timing and Cash

Oct 20, 2026 12 min read

Two equal blank report folders sit beside a small padlock and a telephone handset, illustrating access control and verification contact.

003 Banking

Credit Freeze vs. Fraud Alert: Choose the Protection You Need

Oct 20, 2026 10 min read

004 Banking

Cash Back or Travel Points? Compare What You Can Actually Use

Oct 19, 2026 12 min read

005 Debt

Debt Avalanche vs. Snowball: Interest Cost and Follow-Through

Oct 18, 2026 9 min read

006 Budgeting

Rent vs. Buy Over Five Years: A Transparent Housing Cost Model

Oct 10, 2026 8 min read

007 Debt

Mortgage Points vs. Zero Points: Calculate the Break-Even Before Closing

Oct 07, 2026 8 min read

008 Housing

15-Year vs. 30-Year Mortgage: Payment, Interest, and Flexibility Compared

Oct 04, 2026 8 min read

MoneyMaxx comparison of extra mortgage principal and investing

009 Investing

Extra Mortgage Payments vs. Investing: A Risk-Adjusted Decision Guide

Sep 30, 2026 7 min read

MoneyMaxx comparison of a certificate of deposit and Treasury bill

010 Saving

CD vs. Treasury Bill in 2026: A Short-Term Savings Decision Guide

Sep 29, 2026 7 min read

MoneyMaxx comparison of balance transfers and personal loans

011 Debt

Balance Transfer vs. Personal Loan in 2026: Which Payoff Route Costs Less?

Sep 13, 2026 8 min read

012 Debt

48- vs. 72-Month Auto Loan: Compare Payment, Interest, and Negative-Equity Risk

Aug 24, 2026 8 min read

013 Debt

Federal Student Loan Standard vs. Income-Driven Repayment in 2026

Aug 18, 2026 8 min read

014 Debt

401(k) Match vs. Credit-Card Payoff: A Sequencing Decision Guide

Aug 13, 2026 8 min read

Financial planning desk with calculator, notebook, cash, and account comparison cards

015 Banking

FDIC Insurance: What $250,000 Covers—and What It Doesn't

Aug 02, 2026 10 min read

016 Saving

High-Yield Savings Account vs. Money Market Fund for Emergency Savings

Jul 26, 2026 15 min read

Overhead finance desk with credit cards, an emergency-savings jar, calculator, notebook, and comparison charts

017 Debt

Emergency Fund or Credit-Card Debt First? A Decision Guide

Jul 15, 2026 10 min read

018 Budgeting

Your First Money Map: 5 Numbers to Find

Jul 14, 2026 6 min read