Ellen Chang is a former contributor for Bankrate. She is a freelance journalist based in Houston and writes articles for TheStreet, U.S. News & World Report and Hart Energy. Chang focuses her articles on stocks, entrepreneurs, personal finance, energy and cybersecurity. Her byline has appeared in national business publications, including CBS News, Yahoo Finance and MSN Money.
Borrowing money and paying it back in equal monthly payments is a handy personal finance tool that helps consumers pay off sizable debts in small, manageable chunks. Personal loans are one of the many [...]