How to Get a First-Time Loan at 18 with No Credit History

young women shopping without credit

Qualifying for personal loans may seem out of reach if you are a young adult with no credit history. Many more options exist than most people realize.

The reason is that so many people graduate with student loan debt. Although many have yet to make a payment, the simple fact that several banks report that you exist makes a big difference.

Amount Owed on Revolving Accounts is Too High | What to Do

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Getting a personal loan to pay down your credit card balances may save you money, and help you become debt-free.

If a credit score factor code suggests that the amount owed on revolving accounts is too high – then consolidation is a viable bandaid to boost your rating.

Free Plastic Surgery: Getting Health Insurance to Cover

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Precise language is crucial when determining how you might pay for any elective medical procedure. Plastic surgery is a related specialty to cosmetics surgery, and people frequently conflate the two together.

However, a seemingly minor point can have an immense impact on your costs and how you might go about financing any remaining expenses. Insurance coverage and discounts kick in for medically necessary procedures.

How to Pay for Plastic & Cosmetic Surgery with Bad Credit

women prepped for face lift surgery

Most health insurance plans will not cover the costs of cosmetic surgery. They do not cover procedures that reshape healthy tissue to improve appearance.

Most patients must pay for the procedure out-of-pocket. Getting loans in advance gives you the flexibility to pick the top local surgeon – instead of one with in-house payment plans.

Does Medicaid Cover Braces for Adults & Kids in Your State?

Female patient at the orthodontist

Paying for orthodontic braces is expensive for any family regardless of the resources at their disposal. Therefore, low-income households will find the treatment costs unaffordable.

Fortunately, Medicaid covers dental braces throughout the country, but with two critically different standards, with plenty of variation state-by-state. Learn the rules in your region.

Dental Financial Assistance Programs | Grants & Free Care

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How do you pay for expensive dental work when you have no money or insurance? Beware of misleading headlines you might find on other online resources.

Low-income patients often look for free services or grant programs. However, these resources are tough to find and help few people.

You have to look under many rocks and have an open mind.

Free Dental Implant Programs for Low Income | Grants

Tabbed folder labeled "Grants"

What is the best way to afford dental implant surgery or dentures? Have somebody else give you the money via financial assistance or by government grants.

Unfortunately, charitable organizations rarely provide help for cosmetic procedures. However, the government provides grants hidden in the tax code.

Oregon Maternity & Paternity Leave | How Long & How Much?

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Maternity and paternity leave legal job rights in Oregon can last zero, twelve, or twenty-four weeks depending on your employer size, length of service, hours worked, and possible need to provide homecare for your infant.

Income benefits are a different matter. The new Paid Family Leave law does not kick in until 2023, so parents need to find an alternative in the interim: short-term disability.

Short-Term Disability Insurance in Florida | How to Apply

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The state of Florida does not replace your income while injured or sick. Do not look to the government for financial help during a temporary leave of absence from work.

Parents planning to have children have to purchase a policy privately. Do not wait until you are about to leave work to purchase coverage. By then it will be too late.

Emergency Car Repair Personal Loans for Bad Credit Scores

Auto mechanic consulting with customer

Financing your car repairs can get your jalopy back on the road when you lack money in savings to pay the mechanic or service center.

However, proactive steps could make a difference.

Finding an online lender gives you more flexibility, especially if you have a weak credit history. Meanwhile, relying on shops that offer payment plans puts you in a vulnerable position.