Miranda Marquit

Miranda Marquit has been writing about money for more than 10 years, and is a nationally-recognized financial expert and journalist. She has appeared on Forbes, NPR, CBNC, Yahoo! Finance, and in many other media outlets, online and offline. Her personal finance blog is Planting Money Seeds, and she is a contributor to the Money Tree Investing Podcast. Miranda lives in Idaho with her teenage son and enjoys the outdoors, travel, and reading.

Articles by Miranda Marquit:

Can You Use a Personal Loan to Go to a Music Festival?

A music festival might be a once-in-a-lifetime experience, but the price tag is usually steep. One way to pay your way is with a personal loan — just be careful not to borrow more than what you can afford to repay just for a single weekend or week of fun.

Posted in: Personal Loans,
Student Loan Alternatives to Consider

There are student loan alternatives that can reduce the amount of your overall debt when you graduate including scholarships, grants, work-study programs, and more.

Posted in: Scholarships, Student Loans,
Student Loan Underwriting Process

Underwriting a student loan is a little different than other types of debt. With private loans, you still need to go through an approval process, but with federal loans there are less stringent requirements.

Posted in: Student Loans,
Does Debt Consolidation Hurt Your Credit?

Depending on how you do it, debt consolidation can impact your credit either positively or negatively. Debt consolidation done right has a minimal negative impact on your score and can actually help it in the long run. Here’s how to consolidate debt, such as multiple credit card accounts, before it’s too late.

Posted in: Credit Cards, Credit Scores, Personal Finance, Personal Loans,
Perkins Loan Explained

The Federal Perkins Loan program allowed schools to make loans to students at a relatively low interest rate. These low-interest loans were made on the basis of need but have been discontinued by the U.S. Department of Education. The last disbursements were made on June 30, 2018.

Posted in: Student Loans,
Your Statement Balance vs. Current Balance: Do You Know the Difference?

When your bank or credit card issuer provides your account balance information, the amount might differ depending on the type of balance being used. Your current balance is based on what’s going on immediately, while your statement balance summarizes what happened during the last billing cycle. Here's how to read your statement balance vs. current balance.

Posted in: Credit Card Resources, Credit Cards,
Public Service Loan Forgiveness (PSLF) Guide

If you’re struggling with student loan debt and you work in the public service sector, you might be able to get on a repayment plan that allows you to take advantage of Public Service Loan Forgiveness. Here’s what you need to know about the program—and how it might be able to help you get rid of your federal student loans.

Posted in: Student Loans,
What Happens If You Don’t Activate Your Credit Card?

When you don’t activate your new credit card, you still have an account—and it can impact your credit score. Here’s what you need to know about credit card activation before you apply for your next credit card.

Posted in: Credit Cards,
Do I Have to Add My Spouse to My Car Insurance?

Does your spouse use your car regularly? If so, you might need to add them to your car insurance policy. One possible benefit is getting a multi-car discount on your premium. Just be careful—you might want to exclude poor drivers from coverage.

Posted in: Insurance,
Tags: insurance-widget,
How Does a Trust Fund Work?

One way to protect your wealth and pass it on is through a trust. You don’t even need a large amount of money to establish a trust fund. However, because trusts can be complex, it’s a good idea to sit down with a knowledgeable attorney to discuss your situation.

Posted in: Personal Finance,