Debt

Everything You Need to Know About Debt

Practical tips, guides, and expert insight to help you make smarter money decisions — written by the CreditNinja team.

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5 Shocking Credit Card Statistics in 2026 (And How to Avoid Becoming One)

Credit cards are one of the most common financial tools Americans use, but they are also one of the biggest…

Are Hardship Grants Really Free Money?

Key Takeaways Hardship grants are often described as “free money,” and on the surface, that sounds hard to beat. These…

Is $100,000 in Debt Worse Than Having No Savings?

Key Takeaways If you had to choose, which would you rather have: $100,000 in debt or $0 in savings? Most…

The Impossible Odds of Winning on PolyMarket and Kalshi

On January 3rd, 2026, one Polymarket user made $436,000 in less than 48 hours.1 Their secret, they knew the United…

5 Ways to Eliminate Credit Card Debt in 30 Days

Key Takeaways Here are five tested ways to get rid of your credit card debt in 30 days, all without…

“Buy Now Pay Later” Is Keeping You Broke

Key Takeaways Buy now, pay later services have moved far beyond financing large purchases. In 2025, consumers used buy now,…

What Percentage of Americans Have Medical Debt?

Key Takeaways Approximately 72 million people (41% of working-age Americans) have medical bill problems or are currently paying off medical…

How Much Credit Card Debt Does the Average American Have in 2025?

Key Takeaways In 2025, the average credit card debt among Americans with unpaid balances is about $7,321, based on data…

What Percentage of Americans Have Credit Card Debt in 2025?

Key Takeaways About 46% of Americans carry credit card debt, according to the Federal Reserve Bank. Rising credit card interest…

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