Neil Prasad
Personal Finance Writer
CPA (inactive), MBA
12 Articles Published
About Neil
Got my CPA, worked in corporate finance for 6 years, realized I hated it. Pivoted to financial writing because I actually like explaining things. My CPA is inactive now but the knowledge stuck.
Areas of Expertise
Experience
I write about personal finance because corporate accounting taught me how money actually works, even if I never want to do another audit.
Articles by Neil
Understanding Loan Amortization: A Complete Guide
Learn how loan amortization works and why understanding your payment breakdown can save you thousands of dollars over the life of your loan.
Read Article →Personal Loan Rates Guide: What You Need to Know Before Borrowing
With personal loan rates averaging 12.25% today, understanding how to get the best rate can save you thousands. Learn what lenders look for and how to qualify for rates below 6.5%.
Read Article →Debt Consolidation Strategies That Work
With U.S. household debt at $18.39 trillion, strategic debt consolidation can save thousands in interest. Learn proven approaches to simplify your debts and accelerate payoff.
Read Article →How to Eliminate High-Interest Debt: A Practical Action Plan
High-interest debt at 20%+ can trap you in endless payment cycles. Learn proven strategies to attack and eliminate expensive debt systematically.
Read Article →Small Business Loan Options: Finding the Right Financing
From SBA loans to business lines of credit, explore financing options for small businesses with rates from 6-30% depending on qualification and loan type.
Read Article →Managing Medical Debt: Practical Solutions and Strategies
Medical debt affects millions. Learn negotiation tactics, payment plans, and programs that can reduce or eliminate healthcare debt.
Read Article →The Risks of Cosigning a Loan: What You Need to Know
Cosigning helps others qualify for loans but puts your credit and finances at serious risk. Learn the obligations and alternatives before saying yes.
Read Article →Emergency Fund vs Debt Payoff: Making the Right Choice
Should you build savings or pay off debt first? Learn the strategic approach that balances emergency protection with debt reduction.
Read Article →Debt Settlement: Risks, Benefits, and Alternatives
Debt settlement can reduce what you owe but severely damages credit and has tax implications. Understand the full picture before pursuing settlement.
Read Article →Loan Prepayment Strategies: Save Thousands in Interest
Strategic extra payments can save tens of thousands in interest and shave years off your mortgage. Learn bi-weekly payments, principal-only payments, and lump sum strategies.
Read Article →Understanding Interest Rate Trends: How Fed Policy Affects Your Loans
Federal Reserve policy drives interest rates on mortgages, auto loans, and credit cards. Learn how rate changes impact your borrowing decisions today.
Read Article →How Much House Can I Afford? Complete 2026 Guide
Learn exactly how much house you can afford based on your income, debts, and down payment. Includes the 28/36 rule, real examples by salary, and calculator.
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