American Financial Solutions Blog

Financial Wellness Programs for Public Sector Employees: A Guide

Public sector HR teams are used to being asked to do more with less. So when...

How to Know If a Debt Relief Company Is Legit — And Why Accreditation and Membership Actually Matter

When you're carrying more debt than feels manageable, the internet can feel like a minefield.

Search for...

American Financial Solutions Client Recognized as NFCC National Client of the Year

American Financial Solutions celebrates Hector Gomez, recipient of the NFCC National Client of the Year Award, for his inspiring journey from debt to financial stability.

How Banks Can Offer Financial Wellness Support Without Building Programs In-House

See how banks and credit unions offer confidential financial counseling through a nonprofit referral partner—no new in-house program required.

From Invisible to Visible: What BNPL Reveals About Modern Credit Scoring

Learn how Buy Now, Pay Later (BNPL) is shaping the future of credit scoring, while exploring common misconceptions about credit reports, credit scores, and lending decisions.

When “Lower Payments” Aren’t the Whole Story: What to Know About Debt Settlement Offers

Debt settlement programs may promise lower payments, but the details matter. Learn about common tradeoffs, fees, credit impacts, and questions to ask before enrolling.

Buy Now, Pay Later: When “Pay in 4” Fits — and When Small Payments Add Up

Buy Now, Pay Later spreads costs into small payments, but stacking multiple plans can strain budgets. Learn what to watch for.

Why Living Paycheck to Paycheck Doesn’t Mean You’re Bad With Money

Living paycheck to paycheck is often a cash-flow timing problem, not a failure. Learn why it happens and how better timing can reduce stress.

Why Money Changes Feel Hard (and 9 Behavioral Economics Tricks That Help)

Money decisions feel hard for a reason. Learn how stress, scarcity, and behavioral economics shape money choices—and what can actually help.

Financial Myths From Social Media: Why “Debt Fixes” Aren’t One-Size-Fits-All

Is viral debt advice hurting your credit? Learn the real differences between debt settlement, consolidation loans, and nonprofit debt management plans.