Ashley is a former lead editor of mortgages and loans at Forbes Advisor. She graduated from Utah Tech University with a bachelor’s in English with an emphasis in creative writing. She began her career ...

Kiah Treece is a former attorney, small business owner and personal finance coach with extensive experience in real estate and financing. Her focus is on demystifying debt to help consumers and ...

The Federal Reserve shapes the economy by adjusting the fed funds rate, which directly affects certain borrowing costs for consumers and businesses. Lowering rates tends to benefit those with variable ...