Thursday’s need-to-know money news

Today’s top story: Start early to get your house retirement-ready. Also in the news: Why these federal student loan borrowers are out of luck, 5 options for people who can’t afford their tax bills, and why big tax refunds aren’t as great as they seem.

Start Early to Get Your House Retirement-Ready
Most homes aren’t ready for “aging in place,” but you could take steps now to make your home better for retirement.

These Federal Student Loan Borrowers Aren’t Getting Relief
FFEL borrowers are out of luck.

5 Options for People Who Can’t Afford Their Tax Bills
If you can’t afford your tax bill, consider an installment plan or an offer in compromise if you qualify.

Why Big Tax Refunds Aren’t As Great as They Seem
You’re giving the IRS a loan.