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Collection of Articles on Debt Consolidation, Money Management, Loans, Credit and Debt, Business and Personal Finance and Saving Advice. Investing for Low income Earners. Individual Development Accounts, IDA. Many cities and communities also offer program for affordable housing for low-income families, which helps people buy a home they can afford to earn equity and establish good credit. Free Government Grants and Loans Program. The Ultimate Loan Modification Guidebook. What Lies In Your Debt? Payday lo.