Feel like you’re always investigating the case of the missing money at the end of each month? You may be among the one in four Americans who fell victim to deceptive or unwanted charges in the past year.

Mercii Thomas bravely told her story of financial abuse on a recent episode of my podcast .

While many federal borrowers benefited from a temporary deferment of their loans, the New Year will likely require revisiting our balances and re-strategizing the pay off.