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2. How to get out of debt with a low income - AOL

   www.aol.com/finance/debt-low-income-215227915.html

   Lower-income households tend to have the highest credit card debt-to-income ratio, making it even more difficult to pay off debt. However, even those on a low income can take steps to get out of ...

3. Where’s My Refund? A Guide for New Jersey Taxpayers - AOL

   www.aol.com/where-state-refund-jersey-taxpayers...

   How long it takes to get your NJ refund depends on whether you filed electronically or through a paper return. Keep reading to find out more.

4. How to get debt relief - AOL

   www.aol.com/finance/where-debt-relief-help...

   When you take out a debt consolidation loan, you roll multiple debts into a single account. Depending on the lender, the new account will usually have a repayment term between one and seven years.

5. New Jersey Department of Banking and Insurance - Wikipedia

   en.wikipedia.org/wiki/New_Jersey_Department_of...

   The New Jersey Department of Banking and Insurance (DOBI) is one of 15 principal departments in New Jersey government. The department's mission is to regulate the banking, insurance and real estate industries in a professional and timely manner that protects and educates consumers and promotes the growth, financial stability and efficiency of these industries. [1]

6. What is a debt consolidation loan — and can it help you lower ...

   www.aol.com/finance/what-is-a-debt-consolidation...

   A debt consolidation loan is best for when you have unsecured debt that you can’t pay off within a year — such as credit cards and high-interest personal loans. Loan amounts can range from ...

7. How to get out of debt without paying - AOL

   www.aol.com/finance/debt-without-paying...

   How to get out of student loan debt without paying. There are a few options for getting out of student loan payments. Your loan, job status and sometimes even the school you attended will play a ...

8. New Jersey student loan program - Wikipedia

   en.wikipedia.org/wiki/New_Jersey_student_loan...

   U.S. Student Loan Debt Distribution Q4 2012. The Higher Education Student Assistance Authority (HESAA) is a New Jersey State chartered-loan program, charged with providing student loan financing programs. [1] It has received criticism in the New York Times for what the paper called its "extraordinarily stringent rules". [2]

9. Best debt relief options for credit card debt - AOL

   www.aol.com/finance/best-debt-relief-options...

   Debt settlement entails negotiating with creditors to reduce the total debt amount owed by offering a lump sum payment. This usually entails funding an escrow account and offering to pay off a ...