CashCourse® is a free, online noncommercial financial literacy resource for colleges and universities, created by the nonprofit National Endowment for Financial Education®. The program provides customizable, interactive personal finance tools used at more than 750 colleges and universities across the country.
We're on a mission to make every family in America financially healthy and all-around happy. We help families to do money right by giving every member of the family
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More Americans are expected to 'buy now, pay later' for the holidays. Analysts see a growing risk
Consumers are expected to use “buy now, pay later” payment plans heavily this holiday season, a forecast that bodes well for retailers but that has credit experts again sounding alarm bells.
Who Uses "Buy Now, Pay Later?" - Liberty Street Economics
“Buy now, pay later” (BNPL) has become an increasingly popular form of payment among Americans in recent years. While BNPL provides shoppers with the flexibility to pay for goods and services over time, usually with zero interest, the Consumer Financial Protection Bureau (CFPB) has identified several areas of potential consumer harm associated with its growing use, including inconsistent consumer protections, and the risk of excessive debt accumulation and over-extension. BNPL proponents have argued that the service enables improved credit access and greater financial inclusion, with approval being quick and relatively easy. More research is needed to assess the overall risks and benefits of BNPL for consumers. As a first step, we draw on new survey data to examine the background and circumstances of consumers who receive and take up BNPL offers. We find both the availability and use of BNPL to be fairly widespread but see disproportionate take-up among consumers with unmet credit needs, limited credit access, and greater financial fragility. While BNPL expands financial inclusion, especially to those with low credit scores, there is a risk that these payment plans contribute to excessive debt accumulation and over-extension.
Why buy now, pay later options aren't necessarily better than credit cards
With credit card debt reaching an all-time high, some may be in search of alternative payment methods such as buy now, pay later options. Here's what to know.
Apple just launched its own buy now, pay later service—here’s how it compares with Affirm, Afterpay, Klarna and PayPal
Apple is entering the buy now, pay later industry with its Apple Pay Later installment payment option. Here's how it compares with four popular BNPL services.
Here’s how much you need to make to afford a home in America | CNN Business
The income of a typical homebuyer in the United States surged to $107,000 from $88,000 last year, as home affordability precipitously worsened, according to an annual report from the National Association of Realtors.
US Census Bureau, Center for Economic Studies, Longitudinal Employer-Household Dynamics, Local Employment Dynamics, Research Data Centers, Publications and Reports
QoD: What occupations predict most new jobs in the next 10yr? - Blog
The need for these occupations is expected to grow. How much does this outlook influence your students' career choices? Answer: Questions: What are some factors that might contribute to the growth of these particular fields? How does "median pay" differ from average pay?
Accounting Graduates Drop By Highest Percentage in Years
The pool of U.S. students who completed accounting degrees dropped sharply in the latest available academic year as more workers in the profession retire without an adequate pipeline of entrants to fill the gap.
How Biden's goal to boost Black homeownership could be undone by a new mortgage rule
`These requirements would have the impact of exacerbating the already too-high homeownership gap,' said Marc Morial, head of the National Urban League.
Is it better to buy or rent? Closing costs can get expensive and it can be better to rent, depending on how long you're staying. NerdWallet's calculator helps you determine if renting or buying a home makes more financial sense for you.
More Than a Third of Americans Say Uncertainty About Their Finances Keeps Them Up at Night at Least Monthly
Northwestern Mutual's 2023 Planning & Progress Study finds Americans feel stronger about their friendships, mental health, physical health and job stability than they do about their finances An...