Andrea Villasis, Author at Northwest Consumer Law Center

Staying Motivated During Your Journey to Student Loan Repayment

Paying back your student loans plays a big part in your financial health and future although it’s been more than three years since anyone has had to make a payment, if you’re unsure about the plans available to you check out our other blog post on the types of plans and how to find the…

Federal Student Loan Repayment Plans: Which One Will Work for You?

With federal student loan repayment starting again on October 1, you may be wondering how you’re going to be able to resume payments. After all, it’s been over three years since millions of borrowers have had to submit a federal student loan payment. Fortunately, federal student loans have straightforward payment plans in place. Find out…

Disputing Errors on Your Credit Report

Have you ever looked at your credit and noticed that something was off? It may be that you do not recognize a debt or that your home address is wrong. Even if this hasn’t happened to you, accurate credit reporting is a huge factor in your financial well-being. A clean and precise credit report is…

Unmasking Racial Disparities in Credit Reporting

In our ongoing pursuit of justice and equity, we wanted to shine a spotlight on an issue that has long affected minority communities: racial disparities in credit reporting. While credit scores play a crucial role in financial opportunities, these disparities have sustained systemic inequality and hindered economic progress for many. Let’s go ahead and address…

How to Obtain Your Free Credit Report

You probably heard how important credit scores are about a million times, however it doesn’t hurt to hear it again! Credit scores are a powerful tool and knowing what your score is essential to your financial well-being. Let’s get started on how we can obtain a free credit report! Before diving in, it’s essential to…

From Financial Struggles to Empowered Stability in Retirement.

Overwhelmed with the challenges of managing his finances and dealing with chronic health issues, Joshua* found himself on a daunting path toward retirement. Living on a fixed income with increasing debt proved to be an immense challenge, so he reached out to his family for support. In 2019, with the help of his family, Joshua…

Exploring Options for Private Student Loans: What Borrowers Need to Know

With all that’s going on surrounding student loans, private student loan borrowers have been feeling left behind as the focus has been on federal loans. Private student loans, for some borrowers, can be a necessary resource for funding higher education, and they come with their own unique considerations and challenges. Unlike federal student loans, which…

How to Deal with Your Federal Student Loans Post-SCOTUS Decision

On Friday, June 30, 2023, the U.S. Supreme Court rendered a highly divided decision that blocked President Biden’s federal student loan cancellation plan, with six of the justices striking down against cancellation. This decision had a significant impact on nearly 40 million Americans who were anticipating relief from overwhelming student loan debt. While we are…

Rebuilding Futures

Evan* approached NWCLC when he found himself overwhelmed by mounting credit card debt and student loans. Evan was facing daily struggles of managing a chronic health condition that significantly impacted his mobility and ability to work a full time job and pay off his debts. After exploring all of his options with NWCLC, he ultimately…

Triumphing Over Debt

Jason* was facing a daunting lawsuit from a debt collection company for nearly $15,000 in medical debt that he could not afford to pay.. Over the course of several years, Jason endured multiple surgeries and spent months hospitalized. Compounded by his significant immunocompromised state, Jason was forced to make a difficult decision to resign from…