# Managing debt

From loans to credit cards, having debt is often part of your financial life. Managing what you owe is what’s important.

January 16, 2026  
**Could the Fed funds rate impact your wallet?**  
Get an overview of how the Federal Reserve is set up and why its policies have an impact on interest rates.](https://www.breadfinancial.com/en/financial-education/managing-debt/federal-funds-rate-impact.html "Could the Fed funds rate impact your wallet?")

January 14, 2026  
**How to deal with debt**  
What do you need to know to use credit wisely? Get tips today on responsible borrowing.](https://www.breadfinancial.com/en/financial-education/managing-debt/coping-with-debt.html "How to deal with debt")

January 14, 2026  
**Understanding types of debt**  
What is debt? Get help understanding different types of debt, like loans, so you can prepare for managing it.](https://www.breadfinancial.com/en/financial-education/managing-debt/types-of-debt.html "Understanding types of debt")

January 14, 2026  
**All about loans**  
Understand the basics of borrowing money with this quick-read. It breaks down the difference between installment loans a…](https://www.breadfinancial.com/en/financial-education/managing-debt/loans-basics.html "All about loans")

January 14, 2026  
**What to know about borrowing**  
This article can help you understand loan types before you decide how to borrow. Be prepared before applying for a loan.](https://www.breadfinancial.com/en/financial-education/managing-debt/borrowing-basics.html "What to know about borrowing")

January 14, 2026  
**Consolidating credit cards**  
What should you know about credit card consolidation? Explore how multiple card balances can be consolidated in one loan…](https://www.breadfinancial.com/en/financial-education/managing-debt/credit-card-consolidation.html "Consolidating credit cards")

September 26, 2025  
**Is your total debt in the safe zone?**  
Understand your DTI ratio, its importance and how to improve it for financial security.](https://www.breadfinancial.com/en/financial-education/managing-debt/what-is-debt-to-income-ratio.html "Is your total debt in the safe zone?")

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google Inc.