Rebecca Safier's Image

Rebecca Safier

Personal Finance Writer

About

With nearly a decade covering personal finance, Rebecca Safier simplifies loans and other complex financial topics to help people manage their money with confidence. Her work has been featured in Forbes Advisor, Buy Side from WSJ, U.S. News & World Report, Newsweek Vault and other publications. Rebecca has her student loan certification from the National Association of Certified Credit Counselors and her Master of Education in Adolescent Counseling from the Harvard Graduate School of Education.

Loans specialist Rebecca Safier is a freelance writer with nearly a decade of experience writing about personal finance. With her Master’s in education, student loan counselor certification and prior work as a college counselor, Rebecca brings firsthand experience counseling students and their families to her work.

Rebecca spent years covering student loans and financial aid before expanding her work to other financial topics, including mortgages, business loans and consumer credit. She enjoys educating people about personal finance and helping them feel confident about managing their money and achieving their financial goals.

Rebecca has contributed to leading personal finance publications, including Forbes Advisor, U.S. News & World Report, Buy Side from WSJ, Newsweek Vault and others. She has also been quoted in Marketwatch, Fortune and Yahoo Finance.

When she’s not writing about all things money, Rebecca is writing on her sustainable lifestyle blog, The Eco Edit, practicing yoga or taking her Boston terrier to the beach.

Expertise

  • Student loans
  • Personal loans
  • Business loans
  • Mortgages
  • Credit cards

Achievements

  • Nearly a decade of experience writing about personal finance
  • Contributor to leading online publications, including U.S. News and Newsweek Vault
  • Certified student loan counselor

Other Publications

Education

Harvard Graduate School of Education (Ed.M., Adolescent Counseling)

Tufts University (B.A. in English Literature)

National Association of Certified Credit Counselors (Student Loan Counselor Certification)

  • FundThrough Review 2025

    FundThrough offers a streamlined process to factor your invoices with its online platform. You can sync your QuickBooks or OpenInvoice account to select invoices to fund or you can upload your invoices manually. Signing up for a FundThrough account is...
    FundThrough Review 2025

  • TD Bank Business Loans Review 2025

    Headquartered in New Jersey with locations along the East Coast, TD Bank offers both loans and lines of credit for small businesses. is also a Small Business Administration (SBA) preferred lender and facilitates SBA loans, such as SBA 7(a) and...
    TD Bank Business Loans Review 2025

  • Sofi Vs. LendingClub Personal Loans: Which Is Best For You?

    Both SoFi and LendingClub are online lending platforms that offer unsecured personal loans to qualifying consumers. LendingClub may offer better interest rates to creditworthy borrowers, but SoFi stands out for its large loan amounts, lack of fees and various customer...
    Sofi Vs. LendingClub Personal Loans: Which Is Best For You?

  • How To Get A Low-Cost Mortgage Refinance

    By refinancing your mortgage, you may be able to reduce your interest rate, adjust your repayment terms and make your monthly payments more affordable. However, snagging a lower interest rate isn’t guaranteed, and the closing costs of a mortgage refinance...
    How To Get A Low-Cost Mortgage Refinance

  • What Credit Score Do I Need For A Business Loan?

    Your credit score plays a major role in your ability to qualify for any type of financing, including a small business loan. It also helps determine your interest rates, with strong-credit borrowers typically being offered the best rates. The credit...
    What Credit Score Do I Need For A Business Loan?

  • Best Appliance Financing Options Of 2025

    Whether it’s a new refrigerator, furnace or any other appliance in your home, sometimes replacing an appliance can’t wait. With appliance financing, you can buy an item up front and pay for it over time. There are various financing options,...
    Best Appliance Financing Options Of 2025

  • Average Personal Loan Interest Rates

    The average personal loan rate on loans with a three-year term is 15.36%, according to Credible.com’s personal loan marketplace. Borrowers who pre-qualified for that rate had a credit score of 720 or higher. Personal loans are becoming an increasingly popular...
    Average Personal Loan Interest Rates

  • What Is A Business Debt Schedule?

    As you start taking on long-term debts to grow your business, it’s crucial to monitor your balances and monitor repayment. A business debt schedule tracks your business’s debts and allows you to stay organized and maintain accurate bookkeeping. Beyond that,...
    What Is A Business Debt Schedule?

  • Equipment Leasing Vs. Financing: Which Should You Choose?

    Whether it’s a kitchen appliance, HVAC unit, office computer or semi-truck, the right equipment can be crucial for the success of your small business. Paying for that equipment up front may be out of reach, but there are options for...
    Equipment Leasing Vs. Financing: Which Should You Choose?

  • Best Low-Income Personal Loans Of 2025

    Since lenders use your income to determine whether or not to lend you money, qualifying for a personal loan with a low income can be difficult. However, every lender sets its own requirements, and some accept lower incomes than others....
    Best Low-Income Personal Loans Of 2025

  • How To Use A HELOC To Pay For College

    Attending college is a major expense, and you may be considering tapping into your home’s equity to help your child cover the costs. A home equity line of credit (HELOC) offers revolving funds you can draw from to pay for...
    How To Use A HELOC To Pay For College

  • Best Student Loans For Vet School Of 2025

    If you love caring for animals, you may have your sights set on attending veterinary school. Before earning your Doctor of Veterinary Medicine degree, you’ll need to consider how you’ll pay for your education, which can average more than $200,000...
    Best Student Loans For Vet School Of 2025

  • Business Financing For Women: Options and How To Choose

    Although women own 38% of all businesses in the U.S., according to the Women’s Business Enterprise National Council, they often face obstacles when obtaining financing. In 2022, 25% of women-owned businesses were rejected for a loan, compared to 19% of...
    Business Financing For Women: Options and How To Choose

  • How To Pay For College As A Veteran

    The military offers a number of educational benefits for service members to help them pay for tuition, housing, books and supplies. Before you apply for college, determine your financial aid needs and survey the options offered by the government to...
    How To Pay For College As A Veteran

  • How Much Does A Harvard MBA Cost?

    Harvard University’s Master of Business Administration (MBA) program is one of the most prestigious MBA programs in the world. However, joining this program can be a huge time and money commitment, so make sure you can cover your tuition before...
    How Much Does A Harvard MBA Cost?

  • What Are Small Business Loans For Veterans?

    Veterans own nearly two million small businesses in the U.S. and employ nearly 5.3 million Americans, according to the U.S. Small Business Office of Advocacy. If you’re a veteran looking to start or expand a business, you may be reviewing...
    What Are Small Business Loans For Veterans?

  • How To Get A Full-Ride Scholarship

    Full-ride scholarships cover your entire cost of attendance, including tuition, fees and housing. With a full scholarship, you could earn your degree without taking on any student loan debt. Before pursuing a full scholarship, determine what type of scholarship you're...
    How To Get A Full-Ride Scholarship

  • Bank of America Vs. U.S. Bank: Which Small Business Lender Is Right For You?

    If you’re looking to borrow a small business loan from a bank, Bank of America and U.S. Bank are two good choices that offer a wide range of products. Both banks offer term loans, SBA loans and business lines of...
    Bank of America Vs. U.S. Bank: Which Small Business Lender Is Right For You?

  • Best Retail Business Loans Of 2025

    If you own a clothing store, restaurant or other retail business and are looking to cover expenses, a retail business loan can be a good option. These loans offer financing to cover day-to-day expenses, purchase equipment, rent or buy real...
    Best Retail Business Loans Of 2025

  • Best IVF Loans Of 2025

    Fertility services such as in vitro fertilization (IVF) often aren’t covered by insurance and the costs can climb quickly. According to the American Society of Reproductive Medicine, the median cost of an IVF cycle is $19,200, and some women go...
    Best IVF Loans Of 2025

  • Best Personal Loans For Self-Employed Borrowers Of 2025

    Lenders often look for a steady source of income when considering whether or not to do business with you. This can be straightforward for traditional employees: You simply provide pay stubs from work. But if you’re self-employed, you might have...
    Best Personal Loans For Self-Employed Borrowers Of 2025

  • How Much Revenue Do I Need For A Business Loan?

    Most lenders have a minimum revenue qualification to take out a business loan. Although the thresholds vary by lender, most lenders require your business to make at least $100,000 annually. However, qualifying for a loan with lower revenue may be...
    How Much Revenue Do I Need For A Business Loan?

  • FHA Appraisal Guidelines & Inspection Requirements 2025

    Insured by the Federal Housing Administration (FHA), FHA loans provide financing for home buyers who may need a higher credit score or down payment to qualify for a conventional mortgage. But while FHA loan criteria may be easier to meet,...
    FHA Appraisal Guidelines & Inspection Requirements 2025

  • Earnest Vs. SoFi: Which Refinance Is Best For You?

    and are two finance companies that offer competitive rates and flexible repayment terms with no origination fees or prepayment penalties. Both companies allow you to prequalify online with no impact on your credit score. Check your rates with both lenders...
    Earnest Vs. SoFi: Which Refinance Is Best For You?

  • Top Banks For Student Loans In 2025

    Many students turn to loans to pay their tuition bills, with annual tuition costs averaging $36,436 in 2023. You can choose between private student loans from a financial institution or a federal student loan from the U.S. Department of Education....
    Top Banks For Student Loans In 2025

  • How To Get A Personal Loan With No Credit History Or Co-signer

    Trying to get a personal loan can be difficult without a credit history or co-signer. Without either, lenders have limited information to determine whether or not you can repay a loan. Yet, there may be other ways to secure the...
    How To Get A Personal Loan With No Credit History Or Co-signer

  • What Is A 529 Plan?

    If you’re looking to save money for your child’s education, consider a 529 plan. A 529 plan allows you to make tax-free withdrawals to pay for qualified education expenses, such as college tuition and fees. What Is a 529 Plan?...
    What Is A 529 Plan?

  • What Are High-Interest Loans And How Do They Work?

    A high-interest loan charges interest and fees that are higher than most other loans. Typically, a loan with an annual percentage rate, or APR, over 36% is considered a high-interest loan. If you need cash fast or have low credit,...
    What Are High-Interest Loans And How Do They Work?

  • Everything You Need To Know About SBA Real Estate Loans

    As you look to finance a real estate purchase, there are various choices available to best meet your needs. One option is a loan from the Small Business Administration (SBA). There are two SBA loan types that can be used...
    Everything You Need To Know About SBA Real Estate Loans

  • Best Personal Loans For Landscaping Projects Of 2025

    Landscaping projects can turn your backyard into an oasis and increase the value of your home. Depending on the scope of the project, you may need a landscaping loan to spread out the cost over time. There are various landscaping...
    Best Personal Loans For Landscaping Projects Of 2025
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About

With nearly a decade covering personal finance, Rebecca Safier simplifies loans and other complex financial topics to help people manage their money with confidence. Her work has been featured in Forbes Advisor, Buy Side from WSJ, U.S. News & World Report, Newsweek Vault and other publications. Rebecca has her student loan certification from the National Association of Certified Credit Counselors and her Master of Education in Adolescent Counseling from the Harvard Graduate School of Education.