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Sarah Graves

Sarah Graves, Ph.D. is a freelance writer specializing in personal finance, parenting, education, and creative entrepreneurship. She's also a college instructor of English and humanities. When not busy writing or teaching her students the proper use of a semicolon, you can find her hanging out with her awesome husband and adorable son watching way too many superhero movies.
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Income-Driven Repayment Plans for Federal Student Loans – Guide

Student loans are one of the most significant debt burdens Americans face, and for many Americans, that debt has become unmanageable. But defaulting on student loans can have dire consequences. An income-driven repayment plan can help — and for some, even lead to loan forgiveness.
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17 Conversations to Have About Money Before Getting Married

The sooner you start having hard conversations with your partner, the better off you’ll be. So if you’ve been avoiding having the money talk with your partner, it’s time to open a bottle of wine, light a candle, and sit down for a financial date. Don’t know where to start? These prompts can help.
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22 Ways to Pay for Grad School (With or Without Student Loans)

More students than ever are heading to graduate school. If you’re one of them, you may be wondering how to pay for it, especially if you already have undergraduate student loans. Fortunately, there are plenty of ways to pay for graduate school without getting you into overwhelming debt.
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Where to Donate Your Old Computers & Used Electronics to Charity

Is it time to replace your old electronic device? Rather than tossing it or letting it collect dust in storage, donate it to a worthy cause. But your donation can do the most good if you give it to organizations that can make the most of that device. Pick one of these worthy charities.
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Ibotta Review – Redeem Offers and Earn Cash Back

Ibotta can help you earn cash back on your groceries and other in-store and online purchases as well as eating out at restaurants.Thanks to recent changes, the app is more powerful than ever. But how does it work, and is it worth the effort? Find out before you download.
Parent Plus Loan Form And Documents In The Office.

What Is a PLUS Loan – Application Requirements for Parents & Graduates

Scholarships, grants, and federal direct loans don’t always cover the high cost of education. That’s where PLUS loans come in. They allow parents or grad and professional students to borrow everything else they need to pay for education. But before you sign, it pays to know what you’re borrowing.
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Graduate vs. Undergraduate Student Loans – How These Debts Differ

If you’re heading to graduate school, you may already feel like a student loan pro if you’re familiar with undergrad loans. But there are some key differences between graduate and undergraduate loans for both federal and private student loans. This is what you need to know.
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5 Best Crowdfunding Sites for Personal Needs & Emergencies

In a country where even people with employer-sponsored health plans are chronically underinsured, many turn to crowdfunding as a potential source of relief. But to capture the interest of donors, you must first choose the right platform. Find out which one is best for you.
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12 Best Places to Donate Used Furniture to Charity

There are plenty of charities and nonprofit organizations that will happily take your old furniture if it’s in good condition (and sometimes, even if it’s not). Plus, many charities pick up furniture donations for free. The hardest part is picking the best charity to donate used furniture to.
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11 Best Places to Donate Your Car to Charity

Donating your used car to charity is a convenient way to dispose of an old vehicle while reaping tax benefits. Plus, donating your vehicle lets you skip the hassle of trying to sell the car yourself. In fact, the most challenging part of car donations is finding the right charity to donate to.
Donate Used Car Charity

How to Donate a Used Car to Charity

If an extra vehicle is gathering dust in your driveway, donating it to charity lets you skip the hassle of selling it and may land you a tax deduction. But it’s crucial to follow these steps to ensure the charity gets the most it can from the car — and you get the biggest tax deduction possible.
Income Driven Repayment Plan

Income-Driven Repayment Plans – Pros & Cons of IDR for Student Loans

Income-driven repayment (IDR) plans can be a lifesaver for those seriously struggling with student loan debt. However, not everyone benefits from an IDR plan. Before you decide to enroll, carefully weigh the pros and cons against your own debt and income levels.