Resources

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Banking Big Purchases Budgeting
Credit Comprehensive Resources Fraud, Theft, & Scams
Insurance Retirement & Investing Student Loans

Banking

Checklist for Opening a Bank or Credit Union Account
Printed PDF

A guideline for the proper steps you need to take before opening a bank or credit union account

Electronic Banking Booklet
Printed PDF

Electronic fund transfers; disclosures; errors; lost or stolen ATM or Debit Cards; overdraft for one-time debit card transactions and ATM cards; limited stop-payment privileges; additional rights

FDIC Insured Deposits
Online

Your Insured Deposits is a comprehensive description of FDIC deposit insurance coverage for the most common account ownership categories

Moving Your Checking Account Checklist
PDF

Moving your checking account to another bank? This 10-step checklist will help smooth your move and avoid accidental bounced checks or other disruptions

Selecting Financial Products and Services
Printed PDF

This guide explains the different financial products or services that can help you meet a specific goal or need

Ways to Pay Your Bills
Printed PDF

This guide helps you understand different bill payment options and their potential advantages and disadvantages


Big Purchases

Cars
Buying a Used Car Booklet
Printed
PDF Online Video

What you should do before buying a used car, your payment options, warranties, service contracts, pre-purchase independent inspection, sample buyers guide

Car Title Loans
Printed Online

What you should do before you get a car title loan, how you choose to borrow the money, what do to after

Financing a Car
Video

This FTC video gives tips and tricks on how to finance a vehicle purchase

Spotting Deceptive Car Ads
Video

This video gives you all the information you need to spot deceptive car ads

Understanding Car Add-Ons
Video

This FTC video explains that you should research car add-ons before you get to the dealership to get the best deal

Home Ownership and Mortgages
Adjustable Rate Mortgages Handbook
PDF

This handbook gives you an overview of ARMs, explains how ARMs work, and discusses some of the issues that you might face as a borrower

Beware of Foreclosure Rescue Scams
Printed Online

Tips for avoiding mortgage foreclosure rescue and loan modification scams

Comprehensive Guide to Buying a Home
Online

Includes information on different types of mortgages, how to shop for a loan, and information on closing

Considering a Reverse Mortgage?
Printed Online

A handout explaining what a reverse mortgage is, how it works, and what you need to consider before getting one

How Does Refinancing a Mortgage Work?
Online

This guide includes how refinancing works, reasons to refinance, different types of refinancing, how you qualify, and whether it will affect your credit

Creating a Home Inventory
PDF Online

This guide gives you tips on creating a home inventory and how it can benefit you

Energy Savers Booklet
Printed PDF Online

Tips on saving money and energy at home

Fixing Up Your Home and How to Finance It
Online

This guide shows how fixing up your home is a great investment, whether you should do it yourself or hire a contractor, how to finance those improvements, and more

Home Equity Lines of Credit (HELOCs) and Home Equity Loans
PDF

This resource describes Home Equity Loans and Home Equity Lines of Credit

Homeowner's Insurance Q&A
PDF Online

This brochure, based on the questions consumers most frequently ask, explains what is covered in a standard homeowners policy and what is not. Where gaps in coverage exist, it tells you how to fill them

Renting an Apartment or a House
Printed PDF Online

Information on what to do before renting, if a landlord won't rent to you because of bad credit, or if you think you landlord has broken the law

Tips for Homebuyers
Printed PDF

How the CFPB’s new rules help if you are shopping for a home loan


Budgeting

Guide to How to Start Budgeting
PDF

Step by step guide on how to create a budget

Budgeting Worksheets

Financial Goals Worksheet Create financial goals!

Budget Worksheet- For students who live on-campus

Budget Worksheet- For students who live off-campus

Budget Worksheet- For students who live off-campus and have a spouse and/or kids

Budget Worksheet- For Alumni/Faculty/Staff

Budget Worksheet- For high school students

Study Abroad Budget Worksheet Figure out how much you need to work and save to afford your education abroad experience

Budgeting Spreadsheets

Excel: Budgeting Template

Credit

Credit Cards
Credit Card Tips
PDF

Properly managing a credit card is a big responsibility. Credit cards can help establish and improve your credit score if they’re used properly. They can also damage your credit score and get you into serious debt if you don’t know what you’re doing. Use the tips in this guide to make sound financial decisions

How to Find the Best Credit Card
Printed PDF

This guide helps you decide what credit card is best for you. By helping you decide how you plan to use the card, knowing what to compare, how to shop around and look for better deals, and how to transfer your account with care

How to Fix Mistakes in Your Credit Card Bill Handout
Printed PDF

A list of five steps to take if you need to dispute incorrect charges or fees

How to Understand a Credit Card Disclosure Statement
Online

A closer look at credit card disclosure statements

Understanding Your Credit Card Statement
Online

A quick rundown of your credit card statement

Using Credit Handout
Printed Online

How to obtain credit and use it wisely

Credit Reports & Credit Scores
Building a Better Credit Report
Printed PDF

Explains what a credit report is, how you can check and get it, what can affect your report, and advice on bad credit

Build Financial Credit as an International Student
Online

This article gives tips for international students wanting to build credit in the U.S.

Check Your Credit Report at Least Once a Year
Printed PDF

The Consumer Financial Protection Bureau advises consumers to check their credit reports at least once a year

Credit Discrimination is Illegal
PDF

Credit discrimination often happens behind closed doors, which makes it hard to spot. But there may be warning signs of discrimination or other illegal practices. This guide will help you spot the warning signs of credit discrimination, what makes it Illegal, and how you can protect yourself

Credit Repair
PDF Online

This guide identifies your rights when it comes to credit, how to report accurate negative information, how to report credit repair fraud, where to get legitimate help, and it explains the Credit Repair Organizations Act (CROA)

How to Rebuild Your Credit
Printed PDF

A list of seven steps that can help rebuild your credit score after a financial challenge

Understanding Your Credit Report
Online

A quick rundown on what credit companies see when they look at your credit report

Your Credit History Handout
Printed Online

Find out what is in your credit report

Your FICO Credit Score Explained
PDF

This guide explains the 5 parts that go into your FICO credit score, what a good score is, helpful tips, and ways to boost your score


Comprehensive Resources

Coping with Debt Booklet
Printed PDF Online

Developing a budget, contacting your creditors, dealing with debt collectors, managing your auto and home loans, debt relief services, debt settlement programs

Debt Collection Booklet
Printed PDF Online

Questions and answers about your rights under the Fair Debt Collection Practices Act

Debt Load Worksheet
Printed PDF

This worksheet helps you get organized with all of your debt and make a repayment plan

Focus on Finances
Printed PDF

This guide has the tools to help you make smart financial decisions. It explains credit, credit reports and credit scores; offers tips on how to get and maintain credit; has information about how to avoid consumer fraud and identity theft; and navigates the ins and outs of buying a car

Strategies to Save Money
PDF

Different strategies you can use to save you money

9 Tips to Achieving Financial Wellness
PDF

9 tips to help you achieve financial wellness, including planning for retirement, saving for emergencies, and developing a budget

Free Personal Finance Programs

Financial Avenue
Choose from different modules and pass quizzes to complete each module! How to get started: Click the link and click on "Set up Account." Enter the access code: ib67a8 and then finish creating your account.

Love Your Money
This online course helps college students learn basic money skills.

Cash Course
This program provides a wealth of information about financial basics and more.

CNN Money 101
A step by step guide to gaining control of your financial life.

Money Games
Play personal finance games online!

Play games like Financial Football, Financial Soccer, Countdown to Retirement, and more to learn while having fun!

Money Calculators
Use financial calculators to help you plan!

Find financial calculators on savings, borrowing, budgeting, and more!


Fraud, Theft, and Scams

Avoiding Identity Theft Handout
Printed Online

How to protect your identity and how to know if someone steals it

Avoiding Scams Against Immigrants
Printed PDF Online

How to avoid scams, how to get the right help, and how to report these scams

Before Giving to a Charity Booklet
Printed PDF Online

Tips to help make sure your charitable contributions are put to good use

Discount Plan or Health Insurance?
Online

Facts about medical discount plans

Fighting Fraud 101
Printed PDF

What investment fraud is, ways to spot it, and what you can do to protect yourself

Guide to Preventing Mail Fraud
PDF Online

U.S. Postal Inspection Service guide to preventing mail fraud

Health Scams! Don’t take the Risk
Printed PDF Online

How to spot medical scam fraud

Identity Theft: Social Security Numbers
PDF

How someone might steal your SS number, what to do if you think someone is stealing your number, what to do if you are having problems with your SS number, and if can you get a new SS number

Job Scams Handout
Printed Online

How to spot and avoid job scams

Money Wiring Scams Handout
Printed Online

How to spot and avoid a money wiring scam

Moving Fraud
PDF

Information on how you can protect yourself from “Rogue Movers” and how to choose a reputable mover

Payday Loans and Cash Advances Handout
Printed Online

What to do before you get a payday loan or cash advance loan, how to choose which way to borrow money, what to do once you get a payday loan

Phone Scams Booklet
Printed PDF

Signs of a scam, how they hook you, why they call you, and how to handle these situations

Taking Charge: What to do if your Identity is Stolen
Printed PDF

Immediate steps to take after your identity is stolen, plus ways to reduce your risk in the future

Watch Accounts Closely When Card Data is Hacked Handout
Printed PDF

A list of what you need to do if you think your credit or debit card information has been stolen


Insurance

Buying Life Insurance
Printed Online

This guide helps you understand the types of life insurance available and what questions to ask when you’re buying a policy

Questions to Ask Yourself When Choosing a Health Insurance Marketplace Plan
PDF

The Health Insurance Marketplace offers different types of plans to meet a variety of needs and budgets. You’ll get a clear picture of what premiums you’d pay and what benefits and protections you’d get before you enroll. As you shop for a plan, this guide will show you things you need to know

Continuation of Health Coverage - COBRA
Online

Explains your rights under COBRA to a temporary extension of employer-provided group health coverage, called COBRA continuation coverage. This booklet is designed to provide a general explanation of your COBRA rights and responsibilities, outline the COBRA rules that group health plans must follow and highlight your rights to benefits while you are receiving COBRA continuation coverage

Guide to Dental Insurance
PDF

Learn how dental insurance works, why you need it, and where you can get it

Guide to Disability Income Insurance
Printed PDF

This guide explains a number of important things: The chances of becoming disabled, how it can affect your finances, possible sources of disability income, what disability income insurance is, and what disability income insurance covers

Guide to the Health Insurance Marketplace
PDF

How to enroll and shop in the Health Insurance Marketplace

Guide to Long-Term Care Insurance
Printed PDF

What is long-term care, how likely am I to need long-term care, what does long-term care cost, who pays the bills, where can I get long-term care coverage, what are the different types of policies, what is not covered, what do policies cost

Am I Covered?
Online

A list of scenarios and whether or not they are covered by homeowners insurance

Prescreened Credit and Insurance Offers Booklet
Printed Online

How prescreening works, can prescreening hurt my credit report or credit score, can I reduce the number of unsolicited credit and insurance offers I get, why would someone opt out-or not, does opting out hurt my credit score, what if I opt out and then change my mind

Renters Insurance
PDF Online

Standard renters insurance protects your personal belongings against damage from fire, smoke, lightning, vandalism, theft, explosion, windstorm, water and other disasters listed in the policy. This guide tells you why it is important and how to shop for the best insurance possible

The Value of Health Insurance
PDF

A brief overview on what health insurance is, how much you should be paying, and the top 5 things to know about health insurance

9 Ways to Lower Your Auto Insurance Costs
PDF Online

One of the best ways to keep your auto insurance costs down is to have a good driving record. Listed in this guide are other things you can do to lower your insurance costs

12 Ways to Lower Your Homeowners Insurance
Online

The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Here are some things to consider when buying homeowners insurance


Retirement and Investing

A Look at 401k Plan Fees
PDF

What plan fees are and why you should pay attention to them

How to Read a Mutual Fund Shareholder Report
PDF

Mutual funds that are registered with the SEC must send reports to their shareholders on a semiannual basis. The semiannual report covers the first six months of the fund’s fiscal year, while the annual report covers the fund’s entire fiscal year. This guide focuses primarily on the annual report; however, many of the considerations also apply to the semiannual report

I Savings Bonds
Online

Learn what an I savings bond is, it's characteristics, and what you can use it for

Know Your Financial Advisor
PDF

Important information and questions to ask before hiring a financial advisor

Questions You Should Ask About Your Investments
Printed PDF

Questions about products, mutual funds, the people who sell investments, the progress of your investments, and how to handle problems

Retirement Toolkit
PDF

The guide includes a list of publications and interactive tools to help in your planning for retirement, plus information on who to contact if you have any questions

Saving and Investing for Students
Printed PDF

Making a financial plan, how to make your money grow, how you can protect yourself

Savings Fitness: A guide to your money and your financial future
PDF

How to set and meet financial and retirement goals

Taking the Mystery out of Retirement Planning
Printed PDF

How to plan for a lifetime, how to track down future money and future expenses, comparing income and expenses, how to make your money last

Target Date Retirement Fund
Online

Target date retirement fund basics and how to evaluate a fund

Tips on Using the Fee and Investment Information From Your Retirement Plan
PDF

How to use the investment-related information provided by your retirement plan

Top 10 Ways to Prepare for Retirement
PDF

10 ways to prepare for retirement, including knowing your retirement needs, learning about your employers pension plan, and finding out about your social security benefits

Variable Annuities: What You Should Know
Printed Online

This is a general description of variable annuities- what they are, how they work, and the charges you will pay

13 Things Everyone Should Know About Investing
PDF

Whether you’re a first-time investor or have been investing for many years, there is some basic information you should know about investing. In this guide is a list of thirteen pieces of investing-related information that may help you make informed financial decisions and avoid common scams


Student Loans

Aid for Military Families
PDF

Explains financial aid options for military service or for family members of military personnel

Applying for Income-Driven Repayment Plans
PDF

A step-by-step guide on applying for income-driven repayment plans

Choosing Your Student Loan
PDF

Steps to take to get the best student loans you can. Also, the importance of filling out the FAFSA for loan, grant and scholarship eligibility

Definitions of Student Loan Terms
PDF

Common student loan terms- explained

Direct PLUS Loan Basics for Parents
Printed PDF Spanish

This booklet explains what PLUS loans are, how to get them, who is responsible for repayment, and when they have to be repaid

Direct Loan Basics for Students
Printed PDF Spanish

Direct Loans are low-interest loans for students and parents to help pay for the cost of a student’s education after high school. The lender is the U.S. Department of Education (the Department) rather than a bank. This guide answers any questions you may have on Direct Loan Basics

FAFSA Process
PDF Spanish

This guide takes you through the entire FAFSA process, from filing out the FAFSA to deadlines

FAFSA4caster
Online

This tool helps you estimate your eligibility for federal student aid

Federal Student Grant Programs
PDF Spanish

The federal government provides grant funds for students attending colleges, career schools, and universities. Grants, unlike loans, do not have to be repaid. The major federal student grant programs are briefly described in this guide

Ten Things you should know about Student Loans Handout
PDF

Here are the 10 most important things to know if you have federal student loans

The Life of a Student Loan Handout
PDF

A chart that explains the process of student loans, scholarships, and repayment

Loan Repayment Plan Comparison Handouts
PDF

Some of the repayment plan options for federal student loans

Student Loan Deferment or Forbearance Options Handout
Printed PDF

An explanation of deferment and forbearance options

Federal Student Loans Fact Sheet
PDF

Will you need a loan to attend college? If so, think federal aid first. Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. This guide explains the different options you have

Financial Aid for Graduate and Professional Degree Students
Printed PDF

What types of federal student aid you can receive, what the eligibility requirements are, how do I apply

How to Navigate the National Student Loan Data System (NSLDS)
PDF

Whether you’re a new student or a soon-to-be graduate, you need to be consistently aware of your loan status – and luckily there are tools online specifically designed to help keep you up to speed. This guide shows you how to navigate the NSLDS

How to use the studentloans.gov Repayment Estimator
PDF

Directions on how to use the studentloans.gov Repayment Estimator tool to figure out how much your monthly payments will be

How to View Your Federal Student Loan Info
PDF

Directions on how to view how much you have taken out in student loans, who your loan servicer is, and the interest rates for your loans

Income Driven Repayment Plans
PDF

The Department of Education offers three student loan repayment plans that are based on your income, family size, and student loan balance: Income-Contingent, Income-Based, and Pay As You Earn. This guide offers an overview of each, including the factors you should consider when deciding if one of these plans is right for you

Time Limitations on Direct Loan Eligibility
PDF

Direct Subsidized Loans are Federal Loans on which the government pays interest while you’re enrolled in school at least half time or while the loan is in deferment and during certain periods of income-driven repayment. This guide explains the time limitations on direct subsidized loans

Repaying Your Loans
Printed PDF Online

This guide provides information about repayment of loans from the following federal student loan programs: The William D. Ford Federal Direct Loan Program, Federal Perkins Loan Program, and the Federal Family Education Loan Program

Tackling Student Loan Debt: Servicemembers
PDF

This guide explains how to lower the interest rate for your loans, and how to manage your private and federal student loans

Tips to Manage Your Student Loans
PDF

This guide gives you tips on how to budget, manage your loans, picking a repayment plan, plus much more

2019-2020 Direct Loan Interest Rates
PDF

This chart covers Federal Direct Stafford and PLUS Loans first disbursed on or after July 1, 2016 and prior to July 1, 2017

2017-2018 Student Loan Repayment Estimates Below 100K
PDF

The following chart will help you estimate the repayment amount of a student loan. The standard repayment term is 10 years, which means you’ll make 120 payments until the loan is paid off. Contact your loan servicer if you have trouble making your payments or to learn more about other repayment options

2017-2018 Student Loan Repayment Estimates Above 100K
PDF

The following chart will help you estimate the repayment amount of student loans that have a principal balance of $100,000 or more under the Standard Repayment Plan