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Pension law changes rules for credit counseling (Bankrate.com) - Good question. Well, there were several unrelated provisions attached to the bill that became law. In this case they are good ones that toughen standards for credit counseling organizations.. New college students should shred those credit card applications in the mail (Belleville News-Democrat) - As both a professional consumer counselor and the mother of a 19-year-old son who is about to go off to college, Connie Kilmark has no qualms about what to do with the three-or-so credit card applications the young man receives in the mail each week.. Debt Management (Bankrate.com) - There's plenty of help out there to boost your credit score. Here's where to find it. If you're in debt, you're not alone. According to the Federal Reserve, Americans are in $1.98 trillion of debt -- that's more than $18,000 per household.. Payday loan debt endangers military, lawmakers say (Contra Costa Times) - With a family to feed and no money for groceries, Navy Yeoman 2nd Class Damon LaForce recently did something the military is trying to crack down on: He went to one of the many payday-lending businesses near his base for an instant loan.. When Debt Mounts, Take Action to Prevent Foreclosure (Evening Times) - (ARA) - If you have experienced foreclosure, you're not alone. Within the last five years alone, more than 2.9 million households in the United States have experienced foreclosure.. Credit debt awaits financial freshman (Milwaukee Journal Sentinel) - As both a professional consumer counselor and the mother of a 19-year-old son who is about to go off to college, Connie Kilmark has no qualms about what to do with the three-or-so credit card applications the young man receives in the mail each . Strains on the family (Herald Journal) - After only six months of marriage, the honeymoon phase ended abruptly for Lance and Sarah. The couple, whose real names are not being used for privacy reasons, had fallen into a $5,000 hole after maxing out all three of their credit cards during their short time together.. American Indian credit counselor training now available on three Montana reservations. (Glacier Reporter) - Native Americans on three of Montana's reservations and the Little Shell Tribe of Chippewa will now have access to ongoing credit counseling services through a new initiative, the American Indian Credit Counselor Training Program.. Credit Help Gets a Makeover (The Motley Fool) - America's gotten a lot savvier about credit. Now that we can take a free, no-strings-attached gander at our credit reports every year (courtesy of www.annualcreditreport.com ), we're more cognizant of the impact bad credit has on our everyday lives.. 'Credit for Life Fair' needs sponsors, volunteers (Milford Daily News) - FRANKLIN -- Sponsors and volunteers are needed for the second annual "Credit for Life Fair," which will be held Nov. 15 at the Bernon Family Hockomock Area YMCA in Franklin..