Mike Senecal

About the Author

Mike Senecal

Mike Senecal draws on more than 20 years of educational and editorial experience to help BadCredit.org readers understand the complexities of the personal finance industry. Mike has worked in academic and trade publishing, including roles as managing editor and technical editor at the University of Florida and as contributor to finance industry publications, including Surety Bond Quarterly and Independent Agent, among others. Mike holds bachelor’s and master’s degrees from the University of South Carolina.

Latest Posts

95 posts written/edited to date

Blog

475 views

7 min read

Telhio Credit Union Celebrates 90 Years of Service to Members, Communities, and the Credit Union Mission

Telhio Credit Union Celebrates 90 Years of Community Service

Television viewers can learn about Telhio Credit Union through the PBS “Opportunity Knock$” financial reality series. The Telhio... read more »

Mike Senecal

By: Mike Senecal • 6/18/24

Guide

722 views

9 min read

How the Military Lending Act Protects Service Members from Predatory Lending

How the Military Lending Act Protects Service Members

Predatory lending practices have the potential to affect everyone, but national security is at stake when financial challenges threaten military... read more »

Mike Senecal

By: Mike Senecal • 6/17/24

Blog

1,305 views

5 min read

This Private Commercial Real Estate Lender Cuts Through the Clutter To Produce Money-Making Wins

Private Lending That Produces Money-Making Wins

Traditional commercial real estate lenders operate in a confined space that closes off opportunity when time is of the essence.... read more »

Mike Senecal

By: Mike Senecal • 6/13/24

Blog

2,076 views

7 min read

Doing What’s Right: First National Bank Recognized for Financial Education and Community Commitment

First National Bank Wins With Education and Community

With a history stretching back to the Civil War, First National Bank (FNB) has seen many changes come and go. That’s what gives... read more »

Mike Senecal

By: Mike Senecal • 6/12/24

Blog

2,790 views

5 min read

How Spero Financial Wins With Products, Education, and Outreach

How Spero Financial Wins With Products, Education, and Outreach

Puzzle pieces never fall together of their own accord — someone has to make them fit. In the case of Spero Financial, that someone... read more »

Mike Senecal

By: Mike Senecal • 6/11/24

Blog

2,674 views

5 min read

MoneySavingPro Helps Consumers Hang Up on Ballooning Phone Bills Through Low-Cost Carriers

MoneySavingPro Helps Consumers Hang Up on Ballooning Phone Bills

Think again if you believe the big mobile carriers have your best financial interests at heart. That’s the message from Rob Webber... read more »

Mike Senecal

By: Mike Senecal • 6/6/24

Blog

5,740 views

7 min read

A Century of Service: Gate City Bank’s Mission Is To Make Lives Better

A Century of Service: Gate City Bank Enters Its Next 100 Years

North Dakota’s Gate City Bank celebrated its 100th anniversary in 2023, a rare milestone in the financial world. Understanding the... read more »

Mike Senecal

By: Mike Senecal • 5/31/24

Blog

9,424 views

5 min read

Debt.com Survey: Americans Are Maxing Out Credit Cards to Cope With Inflation and Make Ends Meet

Debt.com Survey Shows Inflation's Effect on Card Debt

Federal Reserve data shows credit card debt rising to a staggering new high of $1.13 trillion as of Q4 2023. The 2024 Credit Card... read more »

Mike Senecal

By: Mike Senecal • 5/22/24

Guide

8,244 views

13 min read

10 Leading Consumer Economics Experts in 2024

10 Leading Consumer Economics Experts in 2024

It’s hard to plan for the future if you don’t know where you are today. That common-sense assertion is why consumer economics experts are... read more »

Mike Senecal

By: Mike Senecal • 5/16/24

Blog

13,946 views

5 min read

The HER Foundation Shines a Light on the Financial Difficulties of Those Suffering With Hyperemesis

HER Foundation Assists Sufferers of Hyperemesis

There was a time when the male-dominated medical profession assumed “female disorders” were primarily psychological if doctors... read more »

Mike Senecal

By: Mike Senecal • 5/9/24

Blog

16,305 views

5 min read

Visit Freedom House Museum for an Affordable Deep Dive into the History of the U.S. Slave Trade

Freedom House Museum Offers Affordable History

Antebellum U.S. slavery subjugated people on many levels, including relegating them to the status of property. Alexandria,... read more »

Mike Senecal

By: Mike Senecal • 5/7/24

Study

11,844 views

9 min read

10 Best Student Debt Solutions for 2024

10 Best Student Debt Solutions for 2024

Student loans allow more individuals to realize their educational, occupational, and financial potential. But high student debt payments after... read more »

Mike Senecal

By: Mike Senecal • 5/3/24

Blog

14,140 views

5 min read

Net Pay Advance Is a Licensed Source of Instant Online Loans To Help Consumers Meet Urgent Expenses

Net Pay Advance Helps Consumers Meet Urgent Expenses

Living paycheck-to-paycheck means not having enough money to save or invest at the end of the month. A quick spiral into debt can... read more »

Mike Senecal

By: Mike Senecal • 5/1/24

Blog

20,286 views

5 min read

Center for Responsible Lending Report Reveals Costs and Risks of Earned Wage and Cash Advance Products

Center for Responsible Lending Reveals Cash Advance Risks

Earned wage access and cash advance loans appeal to workers who need financial flexibility to tide them over until their next... read more »

Mike Senecal

By: Mike Senecal • 4/17/24

Study

15,960 views

11 min read

10 Best Lending Networks for 2024

10 Best Lending Networks for 2024

An online lending network is like an Amazon for lenders. Lending networks connect consumers and businesses that need loans with lenders that... read more »

Mike Senecal

By: Mike Senecal • 4/17/24

Blog

18,144 views

5 min read

ESCA Advocates for Employee-Owned S Corporations to Drive US Job Growth and Retirement Security

ESCA Advocates for Employee-Owned S Corporations

Employee stock ownership plans (ESOPs) are benefit plans that provide workers with retirement savings through their investments in... read more »

Mike Senecal

By: Mike Senecal • 4/16/24

Blog

26,496 views

5 min read

IdentityForce Recognized for Combating Identity Theft Through Education and Personalized Guidance

IdentityForce Recognized for Combating Consumer Identity Theft

Interacting and transacting online isn’t an option for consumers but a near necessity. That makes people more vulnerable to... read more »

Mike Senecal

By: Mike Senecal • 4/9/24

Blog

18,634 views

5 min read

Enjoy Affordable Adventures in Walkable, Relaxed, Culturally Connected Berkeley, California

Enjoy Affordable Adventures in Berkeley, California

Some cities are travel-friendly because of their proximity to places where people really want to be. Berkeley, California, is like... read more »

Mike Senecal

By: Mike Senecal • 4/3/24

Blog

21,964 views

5 min read

Cash Grants From Greater Change Help Homeless People Recover Their Autonomy

Grants from Greater Change Help People Out of Homelessness

Scenes of people living on the streets or in shelters create stereotypes around homelessness as an unsolvable problem. As daunting... read more »

Mike Senecal

By: Mike Senecal • 4/2/24

Study

30,532 views

9 min read

The Average Student Loan Debt By Race (2024)

The Average Student Loan Debt By Race

Unlike many developed countries, the United States asks higher education students to pay tuition. That naturally creates disparities between... read more »

Mike Senecal

By: Mike Senecal • 3/26/24