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PAUL WENSKE IN YOUR CORNER: New wrinkle in easy credit leads to ever-higher rates (Kansas City Star) - A review of bankruptcy records confirms many Americans are burning out on alternative sources of credit.. New scoring tools empower credit weaklings (Bankrate.com via Yahoo! Finance) - New forms of credit scoring use your payment record on utility bills, rental units and payday loans to assess your ability to repay loans.. Following a budget can set you free (Boston Globe) - Most people can tell you pretty much to the penny how much their mortgage or rent is every month. They can tell you how much they pay each month for their car loan.. Mother walks a fine line (Kansas City Star) - Teresa Bates knows she probably is paying too much for the fuel-thirsty, five-year-old Ford Explorer she bought this summer at a used-car lot that caters to the credit-challenged.. The Elder Law Forum (Plain Talk) - Once upon a time in the United States "loan sharking" was considered a social disease. Now, it is "public policy," formulated, embraced and protected by a Congress that has sold its soul to the money lenders.. NextStudent's Student Loan Consolidation Program Offers Great Rates, Benefits (Market Wire via Yahoo! Finance) - Many college students rushed to consolidate their student loans prior to July 1 when federal interest rates sharply increased. According to Phoenix-based NextStudent, there is hope for those student borrowers who missed the deadline, as rates as low as 4.5 percent are available when accompanied by aggressive benefits and incentives.. Staying in black from costly college living (Henry Herald) - College student Laura Baker said she has spent an astounding $700 on a semester’s worth in books before. A senior in accounting at Clayton State University, she said paying for expensive text books is not nearly her biggest expenditure.. Don't use future money for past debt (Bankrate.com via Yahoo! Finance) - Keep your paws off the retirement account, says the Debt Adviser. It won't solve the fundamental problem of too much spending.. Don't use future money for past debt (Bankrate.com) - Dear Debt Adviser, I was laid off from my job a year and a half ago. I got another job but it doesn't pay as much. My husband and I are not able to keep up with our debt now. We have talked with a counselor but unless my husband finds a part-time job, there is no help.. Online Gaming: Korea's Gotta Have It (BusinessWeek) - The number of addicts is growing. Will the problem spread to other countries? .