Meet MoneyRates.com Contributor: 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.

5 Personal Loan Myths You Should Stop Believing

Gina Pogol
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Believing personal loan myths could cause you to pay too much for financing. Or mismanage your debt. So here are five facts you must know about personal loans before choosing any type of financing.

Can I Get a Personal Loan with No Job?

Gina Pogol
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Losing your job is stressful. If you're broke, it's worse. You may be able to get a personal loan with no job if you apply fast. Here's how to get a personal loan while unemployed.

Can You Get a Personal Loan for a Plastic Surgery?

Gina Pogol
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Plastic Surgery Loans: Pay for Cosmetic Surgery With a Personal Loan

Common Personal Loan Mistakes To Avoid

Gina Pogol
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Personal loans are not the most commonly-used form of borrowing, so it's easy to make errors when shopping or applying for a personal loan. Personal loan mistakes can be very expensive, however, so read these tips before borrowing. With just a little knowledge, you can have a successful personal loan experience.

Compare Credit-Monitoring Services: Credit Karma vs. Credit Sesame

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.

Credit-Card Debt: How Much Is Too Much?

Gina Pogol
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How much credit-card debt is too much? It's more complicated than it sounds. This article examines the factors that comprise financial health, including debt, and helps readers determine the right amount of credit-card debt for them.

Debt Consolidation Loan: Compare Top Lenders

Gina Pogol
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If debt consolidation is right for you, you can choose from several methods. One of those options is a personal loan for debt consolidation. If you consolidate debt with a personal loan, you can put an expiration date on your debt, improve your credit score almost immediately and work toward financial security.

Debt Settlement Versus Bankruptcy: What's Right for You?

Gina Pogol
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If your financial problems are serious, you might consider debt settlement or bankruptcy. Learn how to decide which solution is right for you.

Debt Statutes of Limitations for Every State

Gina Pogol
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Every state has a statute of limitation under which debts become uncollectible. When a specified amount of time passes, the creditor must suspend collection efforts. The map below shows how many years it takes for a debt to become uncollectible in your state.

Note that some debts like government-backed student loans do not fall under these statutes.