Expertise
- Personal finance
- Personal loans
- Credit score
Education
- B.A. in journalism from the University of North Carolina
- Doctorate in English, University of Florida
About the author
John Howard has been the lead editor for MoneyFor’s personal loans and debt management coverage since 2016. Before joining MoneyFor, John held editorial roles at Kiplinger and The Oregonian, where he focused on consumer finance and economic trends. He later launched a freelance career, working with major financial publications. John holds a degree in economics from the University of North Carolina and a master’s in journalism from the University of Florida.
John's latest articles
How to Choose the Right Budgeting App
From basic expense trackers to all-in-one money management tools, there’s a budgeting app for every type of spender.
June 20, 2026
Chime Review: More Features, Same Low Fees
Chime is a fintech app that offers low fee banking services to everyone.
June 19, 2026
All You Need to Know About Buy Now, Pay Later
Buy now, pay later lets you split purchases into equal interest-free installments.
June 18, 2026
Best Credit Cards to Build Credit with No Credit
Credit cards are an effective way to improve your credit score fast.
May 23, 2026
American Express Business Platinum Card® Review 2025
The benefits, perks, and spending credits offered by the American Express Business Platinum Card® can be worth thousands of dollars.
May 13, 2026
What Happens If You Only Pay the Minimum Payment on Your Credit Card?
Why pay more than the minimum due on your credit statement each month? To avoid accumulating new interest.
May 10, 2026