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Brittany Bettini, CEO Of Bettini Financial Highlights The Importance Of Credit Literacy And Education For All Ages



ASHEVILLE, NC / ACCESSWIRE / June 29, 2021 / Financial literacy and credit repair is an area many people only learn about when they are forced to, often under a state of duress. Brittany Bettini, founder, and CEO of North Carolina-based Bettini Financial has made it her life’s work to help people repair their credit and has also taken on the task of trying to change the way financial education is approached in schools. Bettini knows that introducing students to these concepts in school can have great benefit to their long-term financial competency and success and believes this is an area lacking in education for adults and children.

Bettini is passionate about her work, she learned from firsthand experience that understanding how credit works, and how to manage money was an absolute necessity to getting where she needed and wanted to be in life. Bettini grew up in an entrepreneurial family, eventually taking over running the family business. In her personal life, she went through some very difficult times and was, unfortunately, the victim of domestic violence. When she got herself and her children away from her abuser, she discovered she was in a state of financial ruin, her credit was so bad she could not even find a place to live without a cosigner.

Faced with an intimidating, painful, and difficult situation, Bettini became a financial expert, learning everything she could about credit, and finance. As she put it, she made mistakes, she learned things the hard way, and now her mission is to make sure other people do not make those same mistakes. During the pandemic she was working from home and started talking to people, soon realizing that a lot of people were struggling, and had no idea how to protect themselves. She put a post on social media, offering to help ten domestic violence survivors rebuild their credit, and the response she got to that post was overwhelming.

“People were reaching out to me, on social media, privately, telling me they wanted my help, but maybe were embarrassed to go to a credit repair company. I understand because that was me just a few years ago. I was the embarrassed one, and my job is to give people hope that this is not how it has to be. A lot of people continue to have bad credit because they’re too embarrassed to let anyone know they have bad credit and don’t ask for help. I am really good at explaining that it is ok not to be perfect, by sharing my own experience.” Motivated to help others affected by similar situations to what she went through, Bettini formed her own credit repair company, Bettini Financial dedicated to bettering people’s lives through financial understanding and credit literacy.

One thing Bettini saw was that people making the same mistakes over and over, and not repairing their credit, ending up back in the same bad situation. She developed a system to help people understand the mistakes they are making with credit, learn what steps to take to repair it, and develop a comprehensive understanding of what not to do to not end up back in the same situation. She covers the basics of what goes into a credit score, how accounts can affect their credit score, as well as takes on unique and difficult situations based on the client’s individual needs. Her team developed a fully automated system, sending clients a whole automated course, providing the background education and knowledge to help them break the cycle of bad credit. Simultaneously they work to remove negative items from client’s credit and help them make wiser decisions so they can build good credit.

Bettini’s impact and passion have earned Bettini Financial the Rising Star Award from the Henderson County Chamber. Bettini herself has been nominated for the prestigious Athena community leadership award for her work, something she considers the highest honor. That award nomination opened the door for her to connect with state politicians and legislature, and she is currently working with North Carolina Senator Chuck Edwards on how to implement House Bill 924, requiring completion of economic and personal finance courses as a graduation requirement in the state’s public schools. Bettini is committed to assisting in creating curriculum, as well as speaking at high schools around the state to share her expertise, and is working to make an impact on a national scale, as financial education is lacking for students across the country.

Bettini is open and honest about the adversity and abuse she has overcome, her work and dedication to fellow survivors of domestic violence have made her a respected leader in the community, as well as a much-needed resource to help domestic abuse survivors move forward in life, with a solid credit foundation. Her openness has resonated and connected her with a large social media following, and she gets messages every day from people who have been helped by her system. For Bettini this is the best part, changing people’s lives is what makes it all worth it. Connect with her on social media and learn more about the credit repair programs offered through Bettini Financial, and how they can literally change your life. Also, check out this free credit dispute resource, Free Dispute Champ, that Bettini has created before you spend money on traditional credit repair!


Company Name: Bettini Financial Solutions
Contact Person: Brittany Bettini
Phone Number: 828-549-8316
Website Link:

SOURCE: Bettini Financial Solutions

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Are Sallie Mae Student Loans Federal or Private?



When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.

However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.

What is Sallie Mae?

Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.

In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.

However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.

In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).

At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.

What is the difference between private and federal student loans?

When you’re seeking financing to pay for college, you’ll have a big choice to make: federal versus private student loans. Both types of loans offer some benefits and drawbacks.

Federal student loans are educational loans that come from the U.S. government. Under the William D. Ford Federal Direct Loan Program, there are four types of federal student loans available to qualified borrowers.

With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.

On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.

Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.

As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.

Are Sallie Mae loans better than federal student loans?

In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.

However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.

If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.

With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.

The bottom line

Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.

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Tips to do some fall cleaning on your finances



Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.

PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have. 

1. Analyze Your Finances Quarterly or Biannually

You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.

With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.

The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.

4. Savings and Retirement Accounts

The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.

RELATED: Financial lessons learned through the pandemic

A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies. 

RELATED: Overcome your fear of finances

To learn more about Abrahamsen Financial, click here

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How to Get a Loan Even with Bad Credit



Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan. 

Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito. 

For more finance tips, visit Moneymax.



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