The Borrower’s Desk explains loans, credit, tax credits and government benefits in plain language. Some articles start after a lender has said no. Others start from a benefit letter or a tax form, and work out what the numbers mean for one household.
Everything here is written by James Im, who has worked in loan consulting for 13 years.
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Medicare Part D Out-of-Pocket Cap Rises to $2,400 in 2027
Medicare Part D caps out-of-pocket drug costs at $2,400 in 2027, up from $2,100, with a maximum deductible of $700 and a base beneficiary premium of $41.33.
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Loans & Credit
Credit scores, personal loans, debt, and what to do after a denial.
Investing
Trading apps, dividends, and starting with small amounts.
Government Assistance
Grants, benefits and rental help, and how to apply.
Taxes
Tax credits, deductions and the forms that claim them.
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Home Energy Tax Credits Ended With 2025. Does Any 2026 Work Still Count?
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Section 8 Voucher Income Limits and How the Waiting List Works
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How Big Is Your Required Minimum Distribution for 2026?
Turned down for a loan? Start here
- The Score Said No, the Property Said Yes
- Your Loan Was Denied. What the Letter Tells You and What to Do Next
- How to Raise Your Credit Score by 100 Points
- How to Remove Collections From Your Credit Report
- Can You Get a Loan With No Proof of Income?
About the author
James Im has advised borrowers for 13 years on secured and unsecured lending, collateral and debt restructuring. His practice is in South Korea, and he writes about the parts of lending that work the same way in most markets. Read more
Articles on this site are general information, not financial advice. Loan terms, program rules and tax figures change, so confirm current numbers with the lender or agency before you act.