Expertise
- Personal finance
- Personal loans
- Debt Relief
- Credit score
Education
- Bachelor of Arts from the College of the Holy Cross
- M.F.A. from the University of Texas at Austin
About the author
Rachel Alulis is a writer specializing in personal finance. She covers loans, credit cards, and credit scores for MoneyFor. She is adamant about helping consumers avoid credit card debt, save money, and improve their credit scores. Her goal is to create high-quality pieces that educate readers and help them improve their financial lives. Before coming to MoneyFor, Rachel worked as a freelance writer and blogger.
Rachel's latest articles
Best Urgent Loans No Credit Check Options in 2025
No-credit-check loans offer easy approval, but they often come with higher interest rates and short repayment windows.
July 31, 2025
How to Refinance a Car Loan
The best time to refinance is when your credit score has improved, interest rates have dropped, or you need lower monthly payments.
July 28, 2025
10 Fast Emergency Personal Loan Options When You Need Cash Now
Emergency loans can provide you with access to funds on the same day, but may come with high interest rates and short terms.
July 24, 2025
7 Insider Tips to Get a Guaranteed Home Equity Loan with Bad Credit
You can secure a home equity loan with bad credit if you have stable income, high equity, and a low debt load.
July 21, 2025
How to Apply for a Credit Card for the First Time
The best cards for beginners have lenient requirements making them easy to qualify for.
July 18, 2025
Need Hardship Loans for Bad Credit? Here’s What to Do
A hardship loan can provide fast access to emergency funds when you’re struggling to make ends meet.
July 17, 2025