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lendedu.bsky.social
LendEDU
@lendedu.bsky.social
We simplify personal finance so you can focus on what matters.
Financial freedom simplified.

🔗 www.lendedu.com
Black Friday 2025: Record $11B+ online…yet lowest confidence since April.

Thanksgiving → Cyber Monday: $44B spent

Behind the boom:
• Prices still high
• Buy Now Pay Later + credit usage rising
• Mobile shopping up 50%+
• AI deal alerts found the lowest-priced items

🔗 bit.ly/4a28BNv
Americans Spent a Record Amount on Black Friday, So Why Are Consumers Uneasy?
Americans spent a record $11.8B on Black Friday 2025, yet consumer confidence hit a seven-month low. Here’s why spending is soaring even as households feel financially stressed, plus what these…
lendedu.com
December 4, 2025 at 3:39 PM
Groceries are 30% ⬆️ than in 2020.

Those jumps are colliding with new tariffs, weather shocks + a shrinking turkey supply.

Retailers are slashing turkey $$ to win you, but the rest of your cart isn't cheaper.

When essentials are expensive, the goal isn’t perfection, it’s clarity.

🔗 tr.ee/I8E33S
Grocery Prices Up 30% Since 2020: What That Means for Your Thanksgiving Table
Grocery prices are up 30% since 2020, and this year’s Thanksgiving deals don’t tell the whole story. See why food costs remain high, how the holiday price war affects your meal, whether new tariff…
lendedu.com
November 20, 2025 at 2:36 PM
Here’s to the heroes among us—neighbors, friends + family. We thank you 🙏

Today, here's financial tips to help those who’ve given so much.

Get the financial scoop every vet should know: tr.ee/V5jPOZ
November 12, 2025 at 2:21 AM
“With the shutdown stretching on..focus on essentials...Pause extra savings or debt payments & adjust spending where possible.

These moments are temporary. What matters most is protecting stability & avoiding big financial moves until things normalize.”

- Erin Kinkade, CFP®, ChFC®
November 7, 2025 at 2:02 PM
The U.S. government has been shut down for 36 days - the longest ever.

1.4M federal workers have missed paychecks and thankfully have been able to turn to USAA 0-interest loans to cover food, rent, and medical bills.

Get all the details 🔗 tr.ee/ZR6VJs
When Safety Nets Fray: $411 Million in Shutdown Relief and the Future of Food Assistance
More than 120,000 federal employees have taken advantage of special zero-interest loans just to cover basic expenses while their paychecks remain frozen, as well as loan and credit payment extensions and waived overdraft fees.
tr.ee
November 6, 2025 at 1:45 PM
Happy Halloween from your favorite finance friends 👻

Here’s to enjoying the treats and skipping the financial tricks this spooky season.
October 31, 2025 at 7:51 PM
Gen Z’s average credit score just hit 676 (the national average is 715).

Rising prices, student loan payments, and stricter rules make it harder to build a score from scratch.

Learn more including ways to boost your credit score: tr.ee/83dVaI

Grab early access to insights like this: tr.ee/AKzVtE
Gen Z Credit Scores Hit 676, Lowest of Any Generation in 2025
Rising prices, student loan payments, and stricter credit rules are making it harder to build a solid score from scratch. And with debit cards and “buy now, pay later” apps dominating, many young adults aren’t getting credit for the money moves they are making.
tr.ee
October 23, 2025 at 12:30 PM
We tested a bunch of instant loan apps so you don’t have to.

We applied, timed how long it took to get the money, and checked what the real costs were after fees.

Some were instant, some made us wait.

Here’s the details, and which ones are actually worth your time: tr.ee/6f3RR5
Borrow $50 Nearly Instantly With These Apps
Need to borrow $50 fast? Several apps provide nearly instant paycheck advances without complicated credit checks or lengthy approvals. Our guide highlights several options, including EarnIn, the most…
tr.ee
October 18, 2025 at 12:59 PM
Bitcoin smashed through $125k for the first time ever, peaking at $125,700 on Sunday, 10/6. 🔗 tr.ee/st216l

Get early access to the scoop on where BTC is going in and more in our Beyond The Balance newsletter: tr.ee/AKzVtE
Is Now a Good Time to Buy Bitcoin? What to Know in October 2025
Wondering whether now’s the right time to invest in bitcoin? This October 2025 guide breaks down market trends, risks, and long-term potential to help you decide whether crypto fits your investment…
tr.ee
October 9, 2025 at 12:31 PM
On 9/17, the Fed cut its benchmark rate to 4.00–4.25%—its 1st cut in 2025. Avg 30-yr mortgage rates have already dipped to 6.26%, their lowest in ~12 mos.

Waiting for prices or rates to drop more? You could be waiting a long time.

Is it the right time for you? 🔗 tr.ee/9SB5qv
Is Now a Good Time to Buy a House? What to Know in September 2025
Thinking about buying a home in 2025? Learn how current mortgage rates, home prices, and rent trends affect your decision, and whether waiting will actually pay off. See expert tips to lower your rate...
tr.ee
September 25, 2025 at 1:04 PM
Short on cash? Skip the stress and borrow smart by looking into::

• Cash advance apps
• Personal loans
• 0% APR credit cards
• Home equity loans like HELOCs
• Buy Now, Pay Later (BNPL)

Each has pros, cons, & risks. Compare before you borrow 🔗 tr.ee/WPsbQ5
9 Easy Ways to Borrow Money in 2025
We've researched the best options to borrow money online, including personal loans, loan apps, and buy now, pay later plans.
lendedu.com
September 2, 2025 at 2:15 PM
Save a little, stress less. Even starting with $5 a week adds up.

$100 a week = $5,200 in a year

Even a small savings cushion, even if you just start with $5 a week, can transform how you handle life’s curveballs, from emergency bills to surprise plans.

tr.ee/ojX92N
Why Money Is Important (Even If You Wish It Weren't)
Money can’t buy happiness, but it shapes your freedom, security, and choices. Learn why money is important, the benefits and downsides of having it, and how it impacts your future.
tr.ee
August 26, 2025 at 3:03 PM
Money might not buy happiness, but it does buy:
🔧 Stability
📊 Choices
🔓 Freedom
🧘 Peace of mind

We’re launching a 10-part series because when money’s tight, everything gets harder.

And when you manage it well, life opens up.

Peek at all the 10 reasons: tr.ee/MaTdIB
August 20, 2025 at 1:46 AM
The One Big Beautiful Bill Act (OBBBA) = Big healthcare cuts

• Medicaid: ~12M may lose coverage by 2034 = ~$1T in cuts
• Medicare: Lawful immigrants are ineligible, even if they’ve paid in & $490B cut from 2027-2034
• Experts warn of rural hospital closures & tougher Obamacare access

tr.ee/1T1fFz
August 15, 2025 at 1:08 PM
The One Big Beautiful Bill Act (OBBBA) is making changes to SNAP.

That means seniors, kids, veterans + people with disabilities may see cuts.

🧮 The Math = $200B lost from SNAP over 10 years.

And the timing couldn’t be worse—Grocery prices are up ~24% since 2020 + new tariffs could 📈

tr.ee/1T1fFz
What Is the Big Beautiful Bill? 8 Things Financial Advisors Want You to Know
Learn how the One Big Beautiful Bill Act (OBBBA) could affect your finances. From tax breaks and student loans to Medicare cuts and SNAP changes, here are 8 key takeaways financial advisors say you…
tr.ee
August 15, 2025 at 12:46 AM
The One Big Beautiful Bill Act (OBBBA) is shaking up your taxes in 2025.

Don’t wait. Start prepping now to work with a tax pro so you’re not stressing next April.

Tight budget? The Volunteer Income Tax Assistance (VITA) program gives free tax help in all 50 states + D.C. tr.ee/tSTDW3
August 14, 2025 at 12:46 AM
The One Big Beautiful Bill Act (OBBBA) = Big tax changes

∙Private mortgage insurance (PMI) is deductible again
∙Auto loan int deductions for US-made cars
∙Charitable giving changing
∙1099-K threshold not dropping

OBBBA is long bill, so work with an accountant to get the max refund.

tr.ee/1T1fFz
What Is the Big Beautiful Bill? 8 Things Financial Advisors Want You to Know
Learn how the One Big Beautiful Bill Act (OBBBA) could affect your finances. From tax breaks and student loans to Medicare cuts and SNAP changes, here are 8 key takeaways financial advisors say you…
tr.ee
August 12, 2025 at 12:59 PM
The One Big Beautiful Bill Act (OBBBA) is changing how tips + overtime are taxed.

Through 2028, no taxes on tips up to $25k and overtime up to $12.5k, meaning more money in your pocket.

And this is just 1 part of the OBBBA. There’s more in the bill that could impact your wallet.

tr.ee/9CgVYC
What Is the Big Beautiful Bill? 8 Things Financial Advisors Want You to Know
Learn how the One Big Beautiful Bill Act (OBBBA) could affect your finances. From tax breaks and student loans to Medicare cuts and SNAP changes, here are 8 key takeaways financial advisors say you…
tr.ee
August 11, 2025 at 3:49 PM
2025 tax updates: OBBBA
There ARE some benefits, no matter your income.
• Std deduct = Permanent (adjusts with inflation)
• Seniors: New $6,000 bonus deduct
• Child tax credit 📈 to $2,200
• 📈 state + local tax (SALT) deduct

Tip: Review deducts & credits w/ a tax pro for max savings.
What Is the Big Beautiful Bill? 8 Things Financial Advisors Want You to Know
Learn how the One Big Beautiful Bill Act (OBBBA) could affect your finances. From tax breaks and student loans to Medicare cuts and SNAP changes, here are 8 key takeaways financial advisors say you…
tr.ee
August 10, 2025 at 12:37 PM
The One Big Beautiful Bill Act (OBBBA) is changing consumer protections:

CFPB’s funding = Cut by 50%. They helped recover $21B + saved $6.1B/year in overdraft & NSF fees.

Less funding = Less resources to hold banks/lenders accountable.

Less oversight = More issues for consumers.
What Is the Big Beautiful Bill? 8 Things Financial Advisors Want You to Know
Learn how the One Big Beautiful Bill Act (OBBBA) could affect your finances. From tax breaks and student loans to Medicare cuts and SNAP changes, here are 8 key takeaways financial advisors say you…
tr.ee
August 9, 2025 at 12:59 PM
More student loan rule changes (OBBBA)

1.Repayment now 10–25 yrs (based on loan amt)
2.New RAP plan: Pay 1–10% of income
3.Pell Grant eligibility is changing
4.Expanded Pell Grants for short-term training
5.No more hardship/unemployment deferment
6.Forbearance reduced from 12→9 months

tr.ee/69YOsx
9 Ways the Big Beautiful Bill Affects Student Loan Borrowers in 2025 and Beyond
Discover how the 2025 One Big Beautiful Bill Act reshapes student loans. Learn about new lifetime borrowing caps, repayment plans, the end of Grad PLUS loans, and what this means for borrowers, parent...
tr.ee
August 8, 2025 at 6:21 PM
What the new federal student loan caps mean:

1. Federal loans may not cover full tuition
2. More students may need private loans
3. Private loans = No forgiveness, no IDR
4. Cosigner may be required

Borrowing is shifting so know your options: tr.ee/69YOsx
9 Ways the Big Beautiful Bill Affects Student Loan Borrowers in 2025 and Beyond
Discover how the 2025 One Big Beautiful Bill Act reshapes student loans. Learn about new lifetime borrowing caps, repayment plans, the end of Grad PLUS loans, and what this means for borrowers, parent...
tr.ee
August 7, 2025 at 8:54 PM
OBBBA Student Loan Shakeup

Overall there are now fewer options, tighter limits and fast deadlines.

Lifetime caps: Grad=$100k, Parent PLUS=$65k
Grad PLUS ❌
2 repayment plans: Standard + RAP
IDR phase out: Switch by July 2028
Deferment cuts: For loans before July 2027

Details: tr.ee/zSk0tI
9 Ways the Big Beautiful Bill Affects Student Loan Borrowers in 2025 and Beyond
Discover how the 2025 One Big Beautiful Bill Act reshapes student loans. Learn about new lifetime borrowing caps, repayment plans, the end of Grad PLUS loans, and what this means for borrowers, parent...
tr.ee
August 6, 2025 at 8:22 PM
College can be expensive. Here's 2 ways to lower the cost:

1. Grants: Free money that doesn’t need to be repaid (start with @fafsagov.bsky.social): tr.ee/OIR8eK
2. Work-Study: Part-time jobs for eligible students to earn while they learn tr.ee/2fNQo0
What Are Grants, and How Do They Work? Future College Student's Guide
Grants for college can help you pay tuition and expenses—without the need to repay. This guide explains how to qualify for Pell Grants, TEACH Grants, FSEOG, state and private grants, how to apply, and...
lendedu.com
July 18, 2025 at 8:34 PM
The @lendedu.bsky.social Scholarship 2025 is officially open!

We’re awarding $1,000 to help a U.S. college student cover school costs, because access to education shouldn’t break the bank.

Apply Now 👉 tr.ee/YzVXD3
July 15, 2025 at 4:30 PM