Your Debt-to-Income (DTI) ratio helps lenders determine whether and how much to lend to you. We examine how it's calculated and how to potentially improve your DTI.

Read about Unlock customer Kevin, a North Carolina retiree, who used our home equity agreement (HEA) to stop his debt spiral.

How much debt is too much debt? If debt is taking up a significant portion of your monthly income or making it impossible to save money, you may have too much. We look at six ways to bring your debt levels down.

Debt management plans can help make debt easier to handle. We offer an overview of how they work.

If you're a homeowner with student loan debt, you might consider using your home equity to pay off your loans. We look at the pros and cons of this approach.

You don't need to take out a loan to pay off credit card debt. We offer a list of alternative options

Credit matters.  Just ask Joel, an Unlock customer in southern California.  “I was in trouble with my credit card utilization* – to the point that it was nearing 100%,” he says. Over the past few years, with living expenses rising, and dealing with an overall high cost of living in California, Joel explains that he […]

Chanel is proud of her work as a nursing assistant at a major university hospital system. So, the last thing she needed was a broken ankle that kept her from her job she loves. It also meant no income, and no option but to turn to debt. In Chanel’s case, it wasn’t credit card debt, […]

“This company is extraordinary!’  So said Theresa B. about her experience obtaining her Unlock Technologies home equity agreement.  The South Carolina resident was looking for a way to access the equity she had in her home to pay some outstanding bills. Taking on one more monthly payment was the last thing she wanted. “I needed […]

Paying off credit card debt has so many upsides. We explain how to go for it.

A guide to the four different ways to access your home’s equity, and the benefits of a home equity agreement.

A debt-to-income ratio is what lenders use to help determine whether you can afford a mortgage. Learn how it's done.