Thursday’s need-to-know money news

Today’s top story: Relief checks may be coming, but scammers are already here. Also in the news: 3 ways credit cards can help you ride out a crisis, your student loan bill is still due during a pandemic, and how to save energy while you’re stuck at home.

Relief Checks May Be Coming, but Scammers Are Already Here
Scammers never miss an opportunity.

3 Ways Credit Cards Can Help You Ride Out a Crisis
Preserving your cash.

Your Student Loan Bill Is Still Due During the Pandemic
Interest is halted, but you still need to pay.

How to Save Energy When You’re Stuck at Home
Keeping your electric bill in check.

Unlock the debtor’s prison of student loans

Earlier this year, a judge denounced the myth that student loans can’t be erased in bankruptcy court as she excused a Navy veteran from having to pay $221,000 in education debt. Bankruptcy judge Cecelia G. Morris’ decision garnered plenty of headlines, along with speculation that the ruling might make such discharges easier.

The battle isn’t over, though. A few days later, Morris’ ruling was appealed by the Education Credit Management Corporation, a nonprofit company that guarantees and services federal student loans for the U.S. Department of Education.

In my latest for the Associated Press, what the American Bankruptcy Institute’s Commission on Consumer Bankruptcy recommends to begin freeing borrowers from their loans.

Monday’s need-to-know money news

Today’s top story: How to make a student loan complaint that gets results. Also in the news: How to keep your spirits up in the long game of saving, how ex-offenders can rebuild with a bank account, and these airlines will let you change your flight for free because of Coronavirus.

How to Make a Student Loan Complaint That Gets Results
Effective complaints.

How to Keep Your Spirits Up in the Long Game of Saving
Sticking it out.

How Ex-Offenders Can Rebuild With a Bank Account
How to start over.

These Airlines Will Let You Change Your Flight for Free Because of Coronavirus
Don’t forget to wash your hands.

Friday’s need-to-know money news

Today’s top story: Haven’t filed a tax return lately? You can still get a refund. Also in the news: The ultimate travel tip for couples, a new tax form that may help simplify filing for seniors, and what Trump’s budget plan would mean for you student loan debt.

Haven’t Filed a Tax Return Lately? You Can Still Get a Refund
You’re owed what you’re owed.

Ask a Points Nerd: Our Ultimate Travel Tip for Couples
Companion tickets make it easier.

This New Tax Form May Help Simplify Filing for Seniors
The 1040-SR.

What Trump’s Budget Plan Would Mean for Your Student Loan Debt
Looking at the key cuts.

Monday’s need-to-know money news

Today’s top story: Should your student loans and your spouse’s get hitched? Also in the news: Investing vs paying student loans, the blunt truth about medical expenses, marijuana, and your tax returns, and how to figure out your finances when you’re single.

Should Your Student Loans and Your Spouse’s Get Hitched?
A look at the pros and cons.

SmartMoney Podcast: ‘Should I Invest or Pay Down My Student Loans?’
Where should your money go?

Blunt Truths About Medical Expenses, Marijuana and Your Tax Return
The IRS needs to chill.

How to Figure Out Your Finances When You’re Single
Making the budget that works solely for you.

Wednesday’s need-to-know money news

Today’s top story: Mastering the awkward financial talk. Also in the news: Co-signing a student loan with bad credit, younger consumers getting a credit boost from their elders, and one in five fear they’ll owe the IRS money this spring.

Mastering the Awkward Financial Talk
Tackling tough topics with ease.

Can I Co-Sign a Student Loan With Bad Credit?
It’s not a good idea.

Younger Consumers, Get a Credit Boost From Your Elders
Authorized user status could give you score a bump.

One in five fear they’ll owe the IRS money this spring
Are you one of them?

Thursday’s need-to-know money news

Today’s top story: Who should consider a Roth conversion now? Also in the news: Morgan Stanley’s new cash account, how to make a savings plan, and an important student loan deadline.

Who Should Consider a Roth Conversion Now?
The Secure Act brings new options.

Should You Check Out Morgan Stanley’s New Cash Account?
A look at the benefits.

How to Make a Savings Plan
A roadmap to a better financial life.

Don’t get caught by surprise by this deadline if you’re paying off student loans
Time to re-certify your income.

Monday’s need-to-know money news

Today’s top story: 8 million student loan borrowers must do this in 2020. Also in the news: 5 ways to get credit-healthy in the New Year, how to take charge of your credit this year, and where to file state and federal taxes for free.

8 Million Student Loan Borrowers Must Do This in 2020
Time to renew your income-driven repayment plan.

5 Ways to Get Credit-Healthy in the New Year
No better time to get started.

How to Take Charge of Your Credit This Year
How to make your credit shine.

Where to File State and Federal Taxes for Free
Filling begins January 27th.

Wednesday’s need-to-know money news

Today’s top story: Make sure a new holiday credit card plays well with others. Also in the news: How one couple paid off over $200K of debt in six years, how to tell if consolidating your student loans would actually save you money, and the 10 best finance movies of the decade.

Make Sure a New Holiday Credit Card Plays Well With the Others
1 in 4 consumers will open a new credit card over the holidays.

How I Ditched Debt: ‘Happiness Journey’ Fueled Payoff
How one couple paid off over $200K in six years.

Here’s how to tell if consolidating your student loans would actually save you money
Not all loan consolidations are equal.

The 10 Best Finance Movies of the Decade
Financial lessons on the big screen.

Wednesday’s need-to-know money news

Today’s top story: What to do when your first student loan payment is due. Also in the news: Van life reality check – 7 questions to shape your travels, why you should stop hoarding your credit card points and travel rewards, and how to spend less when you’re moving on short notice.

What to Do When Your First Student Loan Payment Is Due
Take a deep breath.

Van Life Reality Check: 7 Questions to Shape Your Travels
Do you really want to spend a week in the back of a van?

Why you should stop hoarding your credit card points and travel rewards
They depreciate in value.

How to Spend Less When You’re Moving on Short Notice
Asking for help is key.