Scammers know students struggle with debt, so they've created phony loan "debt relief" companies that promise to help for a price.
More than one-third of consumers have a debt in collections on their credit report, according to a new study.
Giving to your children while you're still living is more satisfying than leaving instructions in a will to be followed when you're no longer around.
This is a link to a Bankrate.com story.
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