CFLI

1. The strategy of working directly with creditors to lower your interest rates or reach a settlement
3. The debt reduction method that prioritizes repayment based on the total lowest balance amount owed
8. The free self paced online learning platform offered by the CFLI for student personal finance
10. The crucial first step to gaining control of your money regardless of income level
11. The length and track record of your past credit repayments a key factor in building a high score
13. The ultimate long term state of financial security and well being that acquiring literacy helps achieve
14. The core financial building blocks you learn in Financial 101 such as saving and investing
16. Expense category covering non negotiable living needs like housing utilities and groceries

2. The debt reduction method that mathematically prioritizes paying off the balance with the highest interest rate
4. Building wealth and planning for the future by putting your resources into wealth generating products
5. Expense category that includes non essential spending like dining out shopping and entertainment
6. The ratio of how much credit you are using compared to your total limit deeply affecting scores
7. Combining multiple outstanding debts into a single loan with a lower interest rate to simplify repayment
9. The emotional stress and financial feeling eliminated when you gain control of your money
12. The ultimate destination of the CFLI journey helping individuals achieve overall financial health
15. The critical importance of making payments exactly on their due dates to protect and build a good score