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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

At-Fault vs. No-Fault: How Car Accidents Affect Your Coverage and Costs

An at-fault accident is a car crash caused by a driver’s negligence — in other words, failing to use reasonable care and causing harm to som...

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Authorized Users and Credit Cards: The Essentials

Adding an authorized user to a credit card can be a smart move for both parties — but only if everyone involved understands the rules. The p...

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Auto Equity Loans Explained: When They Make Sense and When to Avoid Them

An auto equity loan allows you to borrow money using the value of your vehicle as collateral, much like how a home equity loan uses the valu...

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Average Auto Insurance Costs by Age and Gender

Car insurance rates are heavily influenced by both age and gender. While these may seem like arbitrary factors, they play a big role in how...

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Average Parent PLUS Debt and How to Manage It

Parent PLUS loans are a common way for parents to help fund their children's college education, but they come with important financial consi...

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Average U.S. Monthly Spending Hits $6,440 — Here’s Where It Goes

Americans spend an average of $6,440 per month across various categories, according to the latest data from the Bureau of Labor Statistics....

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Average Water Bill Costs and Tips to Save Money

Water is an essential part of daily life, but the cost can vary based on your household size and location. On average, Americans pay about $...

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Avoid Costly Surprises: Why a Home Inspection Matters

A home inspection helps prospective buyers make an informed decision about a property. It identifies potential issues and provides insight i...

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Avoiding and Overcoming Student Loan Default

Student loan default occurs when borrowers fail to make payments according to their loan agreements. With the resumption of federal student...

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