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Learn what you need to know about tax brackets, when to review your withholding and how to avoid common tax scams.

• How Income Taxes Work
  Learn how income taxes are calculated and how the various tax brackets are applied.
• Tax Credits and Tax Deductions
  An over view of the difference between the two terms including an outline of popular tax credits.
• When to Review Your Tax Withholding
  Knowing when to adjust your tax withholding is crucial to managing your tax liability and avoiding unexpected tax bills or refunds.
• Preparing to File Your Tax Return
  How to assemble required documents, explore potential ways to reduce the amount of tax you owe, and choose your filing method.
• Avoiding Common Tax Errors
  Mistakes on tax forms aren't unusual. Learn the most common errors and how to fix them.
• Avoiding Tax Scams
  Learn how to identify and avoid common tax-related scams.
• Reducing Your Tax Bill by Saving Money
  Saving for retirement can be a smart way to reduce your tax bill while planning for your financial security.
• Making the Most of a Tax Refund
  Far from "mad money," an income tax refund is money you earned through hard work. Learn how to put it to work.

Understanding the common types of insurance, including auto, renters, health, plus more.

• Insurance Basics
  Understanding how insurance plays an important role in our financial lives.
• Auto Insurance
  A review of the major types of auto insurance, factors influencing cost, and choosing a policy that's right for you.
• Life Insurance
  Who should consider life insurance, types of policies, and how to determine coverage.
• Renters Insurance
  Even if you don't own a home, your possessions are assets that may be difficult to replace in the event of fire, flood, or theft.
• Health Insurance
  The various health insurance choices.
• Disability Insurance
  Policies that replace a portion of your wages if you become unable to work can be complex, but they may provide important benefits.

An introduction to student loan repayment choices and strategies. Visit the Library for in-depth coverage of repayment plan options.

• Making Smart Repayment Decisions
  Flexible federal student loan repayment plans can help you avoid financial trouble and reach your financial goals.
• Repayment Strategies
  To repay your student loans, you need a comprehensive strategy to put your education debt in a larger financial picture that includes your income, non-education debt, and long-term goals.
• How Repayment Plan Choices Affect Loan Cost
  Your repayment plan choice can greatly affect your monthly payment and the total cost of your student debt.
• Deferment and Forbearance Options
  Both deferment and forbearance can help you avoid financial trouble. If you think you might qualify, reach out to your loan servicer as soon as you first experience financial difficulty.
• Managing Loans in Times of Financial Distress
  You can’t always prevent financial stress, but how well you manage it will make all the difference in how successful you’ll be in meeting your repayment obligation.
• Grace and Deferment Period Strategies
  Federal education loans all offer a grace or deferment period – a set amount of time during which repayment is not required. How you manage loans during your grace period can make a big difference.
• Public Service Loan Forgiveness
  If you work in certain fields or for certain employers, a portion of your Direct Student Loan debt may be eligible for forgiveness.
• Loan Consolidation
  Loan consolidation can simplify the loan repayment process, but you must review the loans you plan to consolidate carefully – once consolidated, there’s no going back.

An overview of identity theft, including strategies for preventing it and what to do if it happens to you.

• Identity Theft
  Understanding ID theft and how to prevent it.
• Social Media and Identity Theft
  What you reveal online can compromise your personal and financial security.
• Impersonation Scams
  Fraudulent calls, texts, and emails that seem to come from a legitimate source are a growing problem.
• Medical Identity Theft
  Medical identity theft is a little-known form of identity theft with consequences affecting more than just your wallet.
• Avoiding Identity Theft
  The three Ds of identity protection: Deter, Detect and Defend.
• Protecting Your Digital Information
  There are many data backup solutions designed to protect personal information that vary in their security and ease of use.
• Dealing with Identity Theft
  Understanding the different types of identity theft and what to do in each scenario.