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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Low-Doc Business Financing: What It Is and When It Makes Sense

No-doc business loans aren’t truly “no documentation,” but some online and alternative lenders do offer low-doc options that rely on streaml...

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Lowering Debt Costs When Money Is Tight

The financial strain caused by the COVID-19 pandemic has left many Americans grappling with new or growing debt. According to a recent surve...

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Lower Your Mortgage Rate: Here’s How

Securing the best mortgage rate can make a major difference in how much you pay for your home over time. By boosting your credit, increasing...

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Lower Your Tax Bill: Medical, ABLE, and Care Credits for Parents

Raising a child with functional needs comes with unique financial challenges, but it also opens the door to specific tax benefits that can m...

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Lump-Sum Student Loan Payments: Pros, Cons, and How-To

Paying off your student loans with a lump sum can be a smart move, especially if you're aiming to eliminate debt faster and reduce how much...

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Making an Offer on a House: What You Need to Know

Making an offer on a house is an exciting milestone in your homebuying journey. But before you put in that bid, it’s important to understand...

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Managing Credit Freezes: What You Need to Know

Understanding the status of your credit freeze is essential, especially when applying for loans or credit cards. A credit freeze prevents un...

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Managing Credit Wisely When Financial Challenges Arise

When times are good, credit card rules like paying off balances in full and keeping utilization low are solid advice. However, in a financia...

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Managing Private Student Loan Debt Without Forgiveness

Unlike federal student loans, private student loans generally do not offer forgiveness options outside of rare cases such as death or perman...

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