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Balance transfer credit cards are often marketed as a financial lifeline—a way to consolidate debt, save on interest, and regain control of your finances. But behind the glossy ads and promotional 0% APR offers, there’s a lot banks aren’t eager to disclose. From hidden fees to fine-print traps, here

Saving for college is one of the most significant financial challenges families face today. With rising tuition costs, student loan debt reaching crisis levels, and economic uncertainty, planning for higher education has never been more critical. Educators Credit Union (ECU) understands these challe