Take advantage of income-based repayment for student loans

Use credit simulators to project score impact

Request lower rates on existing credit cards

Find business credit solutions that don’t require personal guarantees

Use installment plans at the point of purchase

Request goodwill adjustments for isolated late payments

Use financial coaching to build better credit habits

Apply for hardship forbearance when needed

Consider refinancing high-interest installment loans

Negotiate medical debts with payment plans

Learn how credit affects your insurance premiums

Check peer-to-peer platforms for creative borrowing

Find auto loans with flexible payment schedules

Avoid closing old accounts unnecessarily

Compare debt consolidation options before committing

Consider point-of-sale financing for big purchases

Check free credit reports yearly to spot errors

Use prequalification tools to avoid hard inquiries

Research hardship deferments during income loss

Select student cards with low fees and educational tools

Build positive history with small, recurring purchases