Gina Pogol

Gina Pogol joins MoneyRates as a contributor writing about personal loans, mortgages, taxes, and related personal finance topics.

An acknowledged mortgage and personal-finance expert since 2007, Gina enjoys breaking down complicated subjects to help consumers make financial decisions with confidence.

You can find her articles on MSN Money, HSH, Fox Business, Forbes.com, Motley Fool and other sites.

Recent Articles By Gina Pogol

2020 Tax Brackets and Federal Income Tax Rates

Gina Pogol
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The amount of federal income tax you pay depends on your tax bracket and your income. Here is how income tax brackets work, how to lower your tax bracket and how tax planning can help you pay less in taxes.

Bankruptcy and Student Loan Discharge

Gina Pogol
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If you're having extreme difficulty repaying your government-backed student loans, you're not alone. About 10% of student loan borrowers default on their loans and experience dire consequences. But you don't have to slide into default - you may be able to discharge student loans in bankruptcy.

Best Loan Rates - How to Compare Personal Loan Offers

Gina Pogol
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How do you compare personal loan offers from competing financial institutions? By looking at more than interest rates. You'll also consider the loan costs and terms to find the right product for you at the lowest cost.

Blooom Financial Advisor Services Review 2021

Gina Pogol
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The best robo-advisors offer extensive account services including portfolio management, planning, and investor education. Clients should expect tight account security, low fees and responsive customer service departments. This 2021 review details the pros, cons, costs and services of Blooom.

Boat Loan Calculator: How Much Boat Can You Afford?

Gina Pogol
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If you're considering buying a boat, you have to account for it in your budget. How much can you afford to spend for a boat? This boat affordability calculator demonstrates how your desired monthly payment and the interest rate available to you translate into a boat loan amount.

Charles Schwab Financial Advisor Services Review 2021

Gina Pogol
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The best online brokerages offer extensive account services including portfolio management, planning, and investor education. Clients should expect tight account security, low fees, and responsive customer service departments. This 2021 review details the pros, cons, costs, and services of Charles Schwab.

Complete Guide on Buying A Home With Bad Credit

Gina Pogol
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When mortgage rates fall, it's possible as a first-time home buyer to qualify for a bigger mortgage and more expensive house. But what if you have poor credit? Can you buy a house with bad credit today? Or should you work to improve your credit first?

Credit Sesame Vs. Credit Karma

Gina Pogol
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Personal finance experts say that we are all vulnerable to identity theft. But there are easy ways to defend yourself.

If you're serious about protecting yourself from identity theft, here's what you need to know when choosing between Credit Karma and Credit Sesame for free credit-monitoring services.

Dental Financing: Compare Your Dental Financing Options

Gina Pogol
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There are several reasons to look into dental loans before you need one. For one thing, it makes sense to see what financing options are best for you now, before you need a dental loan. And getting prequalified or preapproved can be especially helpful when you aren't rushed or in pain.

Emergency Fund: What It Is and How to Build It

Gina Pogol
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An emergency fund is money that you set aside for unexpected difficulties. Every financial plan should include emergency savings. It's smart to cover emergency savings before directing money into investments or unnecessary spending.