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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Funding Your Education Through ISAs: Colleges, Bootcamps, and Private Options

Income share agreements (ISAs) are an alternative to traditional student loans, offering a unique way to finance education. Instead of repay...

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Home Equity Loans vs. HELOCs: Key Differences and Benefits

Home equity loans and home equity lines of credit (HELOCs) offer homeowners the chance to convert a portion of their home’s value into cash....

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How Applying for Too Many Credit Cards Can Hurt Your Credit

Applying for multiple credit cards at once might seem like a quick solution to financial needs or a strategy to maximize rewards. However, i...

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How Credit Card Application Timing Can Affect Your Approval

Knowing when to apply for new credit cards is crucial to increasing your chances of approval and maintaining a healthy credit score. By spac...

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How Credit Card Numbers Work: From MII to the Luhn Algorithm

Credit card numbers might seem like a random series of digits, but they follow strict patterns established by the International Organization...

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How Income Influences Credit Card Approvals

Getting approved for a credit card doesn’t always require a job, but demonstrating a reliable income source is essential. Credit card issuer...

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How Income Updates Impact Your Credit Card Account and Offers

Many credit card issuers frequently request updates on your income to ensure you don't take on more debt than manageable. While these reques...

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How Interest Compounds on Loans: A Guide for Students

This article provides a clear understanding of the differences between simple interest and compound interest, particularly in the context of...

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How Many Credit Cards Should You Really Have?

Deciding how many credit cards to carry is a personal decision influenced by your spending habits, organizational skills, and financial goal...

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