Financial Education

Financial Education

Woman on phone looking at cash advance app
Financial Education

Aug 25, 2025

4 min

How Do Cash Advance Apps Work?

This guide looks at cash advance apps. How they work, the differences between types, and if they are right for you....
friends or family borrowing stats
Financial Education

Aug 18, 2025

7 min

Shadow Debt: How much do people borrow from friends and family?

We surveyed 1,267 U.S. adults to find out how often Americans borrow or lend money to loved ones, and the emotional and financial impact involved....
Excited older couple giving high five
Financial Education

Aug 6, 2025

5 min

The Ultimate Guide to Home Equity Investments for Retirees

As retirees look toward financial stability and improved quality of life in their golden years, exploring innovative financial solutions becomes critical....
Wooden blocks with "CASH FLOW" text of concept, a pen, a notebook, and a cup.
Financial Education

Aug 5, 2025

5 min

How a Home Equity Investment Can Improve Your Cash Flow

Learn how a HEI can improve your cash flow and financial stability....
Home Ownership, House, Savings, Loan, Mortgage
Financial Education

Aug 5, 2025

5 min

Home Equity Investments Vs Traditional Refinancing

When homeowners seek ways to tap into their home’s value, two popular options often surface: home equity investments and traditional refinancing...
Woman renovating house with money from home equity
Financial Education

Aug 4, 2025

5 min

Are HEI’s Safer Than Traditional HELOC’s?

Understanding which option is safer, more cost-effective, and best suited to your financial goals requires a clear look at each method's unique benefits and potential pitfalls....
Portrait of worried senior woman
Financial Education

Jul 30, 2025

6 min

What Happens to Your Policy After You Sell It?

What exactly happens to your policy once it's sold? Understanding the next steps and implications can help you decide if this is right for you....
Piggy bank and healthy diet food on table
Debt Resolution, Financial Education

Jul 10, 2025

10 min

What Does it Mean to Go on a “Money Diet?”

A "money diet" offers a structured approach to improving our financial wellbeing by temporarily restricting spending and developing healthier financial habits....
Orange school backpack full of school supplies and a supermarket basket with office supplies on a blue background.
Debt Resolution, Financial Education

Jul 8, 2025

8 min

Saving Money with Tax-Free Weekends

If you’re struggling with debt, or just making ends meet, understanding how these programs work and which states participate can help you maximize your purchasing power....
Credit card statement with outstanding balance
Financial Education

Jun 20, 2025

7 min

When It Makes Sense to Carry a Credit Card Balance

Most financial experts will tell you that carrying a credit card balance is a bad idea. In general, they’re right. This article breaks down when it’s worth considering....
JGW_Retail bank index_V1_Bigger
Financial Education

Jun 20, 2025

12 min

The U.S. Retail Bank Index

To find out which U.S. banks have the most satisfied customers, the study analyzed 75,478 customer reviews of 108 of the most popular brick-and-mortar and online-only banks in the U.S....
Stress young woman sit at at table, pay credit card debt. Blithe
Financial Education

Jun 17, 2025

6 min

Are Credit Card Late Fees Worth Fighting? A Complete Guide

The short answer? It usually is. In this guide, we’ll explore when and how to fight a credit card late fee, what your chances are of success, and how to avoid them in the future....

The numbers we provide here are estimates based on some assumptions:

On your own:

Based on industry averages, we estimate a monthly compounding interest rate of 22.99% and that you are making a minimum payment that is 2.5% of your total debt.

JGW:

The length of your program is determined by your debt amount. Programs are between 24 and 60 months in length and average program length is around 42 months.

Savings amount is an estimate base on average customer savings on their monthly payment. Real results will vary and some customers will save more, less or not at all.

Disclaimer: The calculator on this web site is for estimation and educational purposes only. JG Wentworth makes no guarantees regarding its accuracy and specifically disclaims any and all liability arising from the use of this or any other calculator on this web site. Use at your own risk and verify all results with an appropriate financial professional before taking action. We are not registered investment advisers, attorneys, CPA’s or other financial service professionals and do not render legal, tax, accounting, investment advice or other professional services.

Your entered value is significantly different from our estimate. You can adjust it for accuracy, or continue as is.

FYI, this option
requires collateral

This could include items you own such as
Your vehicle
Housing fixtures
Using collateral can boost your approval chances and/or ability to secure a lower APR. Would you like to continue?