Loans, Student Loans, Installment Purchases
Legal Information
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Buying a House
Buying a home on a contract can be a way for persons who are low-income or who have poor credit to become homeowners. However, there are certain risks to know about to avoid surprises after the contract is signed. Read More
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- Spanish / Español
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Car Title Loans
Before new legislation was adopted by the Iowa Legislature in 2007, car title loans were a very expensive way to borrow money. The new legislation limits the amount of interest that can be charged. This can still be an expensive loan. Read More
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Deferment, Forbearance and Consolidation of Student Loan Debts
Higher education is expensive. After leaving school, many former students find it hard to meet their monthly student loan payments and it is easy to fall behind. A lot of former students do not know that there are alternatives out there that will help to either reduce or stop student loan payments before they fall behind. Read More
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For-Profit Colleges: A Closer Look at Technical Schools and Employability
Information from the Federal Trade Commission (FTC) and the Iowa Attorney General's Office community colleges and technical schools. Read More
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Getting Help to Repay Student Loans
People who owe money for student loans may get help with these income-driven repayment plans. Content Detail
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How to Use Small Claims Court
A video that outlines the basic steps involved in bringing and defending a small claims action. Content Detail
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Payday Loans - a Convenience You Can't Afford!
The use of "payday loans" (also sometimes known as "cash advance loans," "check advance loans" or "delayed deposit checks") has become a ritual for many working Iowans, including the elderly. Unfortunately, the Iowans using these types of services do not realize what the service is costing them. Read More
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- Spanish / Español
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Paying for Utilities
If you cannot afford to pay your natural gas and electric utility bills, you have certain rights and remedies that may help you avoid having utilities shut off. Read More
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Predatory Lending - Don't Be a Victim
Predatory lenders take advantage of unsuspecting consumers by marketing and making mortgage loans with vastly inflated interest rates and fees and other burdensome terms. Predatory lending is a serious problem throughout the country, one that can leave you penniless and homeless. Read More
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Refinancing
Refinancing may look good now when interest rates are lower than they have been in years. However, smaller monthly payments do not always mean that refinancing will be a good deal for you as a consumer. Read More
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- Spanish / Español
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Shopping for Credit
There are a few key items of information a consumer should look for before signing a credit agreement. She may be in for a surprise at how much money it costs to “buy now, pay later.” Read More
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Student Loan Borrower Assistance
National Consumer Law Center's Student Loan Borrower Assistance Project is a resource for borrowers, their families, and advocates representing student loan borrowers. This site is for people who already have student loans and want to know more about their options and rights. Content Detail
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Student Loan Disability Discharge
Some physical or mental impairments can qualify you for a total and permanent disability discharge on your federal student loans and/or TEACH Grant service obligation. Content Detail
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The Servicemembers Civil Relief Act
The "SCRA" is a federal statute passed by Congress to allow military members to suspend or postpone some civil obligations so the military member can devote his or her full attention to military duties. Read More
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Watch Your Wallet!
Getting into a debt-rut is a lot easier than getting out of it. Here are some tips about special pitfalls common to high-priced debt . Read More
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