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    College Talk

    How to get your degree without all the debt. Article courtesy of Member One Federal Credit Union American college grads now collectively owe about $1.5 trillion in student loans—and nearly two-thirds of that debt is held by women. While it’s true that more women than men are now attending college, on a student-per-student basis, women are borrowing more than men—and may face a harder time paying that debt off, given the gender wage gap that continues to exist. College can still be a good investment in your future, but the less borrowed the better. Here’s what you, or the college-bound young woman in your life, can do to help minimize…

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    Save Smarter: Get Financially Fit for 2019

    Make these four financial resolutions now to start your year off strong.  Presented by Member One Federal Credit Union It’s January and the gyms are full—we hope you’re making good progress on your new year’s wellness resolutions so far. But there’s another type of fitness you should also be focusing on at the start of 2019: your financial fitness. Flex your money muscles for the new year with these goals.  1. Strengthen your savings. If you don’t currently have an emergency savings fund—or you do but it’s looking a bit scrawny—this needs to be a top priority. Many financial experts recommend stashing three to six months’ worth of necessary expenses…

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    Member One: Credit Score Quick Guide

    It’s one of the most important numbers linked to your identity: your credit score. But are you fully aware of why it’s so significant, and what constitutes a good credit score? Read on for a brief explanation of what it is and tips for improving it. What is it? Your credit score is a number that ranges from 300 to 850 and, along with repayment history, is an indication of your creditworthiness. Anything above 700 is generally viewed as good credit and signals to potential lenders that you’re more likely to pay back your debts on time. Why should I care? A credit score helps determine whether you’re approved or…