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

86 posts written/edited to date

Blog

726 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

2,964 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

2,886 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

2,772 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

10,566 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

6,566 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

4,653 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

13,005 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

16,488 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

13,232 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

15,181 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

Study

18,989 views

7 min read

The Average Student Loan Debt Payment Per Month (2024)

The Average Student Loan Debt Per Month

College is an opportunity and also an investment. With student loan payments having resumed in October 2023, students and consumers must... read more »

Mike Senecal

By: Mike Senecal • 3/26/24

Study

13,034 views

9 min read

The Average Student Loan Debt By Degree (2024)

The Average Student Loan Debt By Degree

Knowledge is valuable. Higher education is an investment intended to reap rewards. Data proves that investing in college is worth it. On average,... read more »

Mike Senecal

By: Mike Senecal • 3/26/24

Study

19,617 views

13 min read

10 Most Influential Credit Score Experts for 2024

10 Most Influential Credit Score Experts for 2024

You may not view credit as a consumer product, but that’s what it is. The interest rate is the price you pay for access to credit cards and... read more »

Mike Senecal

By: Mike Senecal • 3/14/24

Blog

17,226 views

5 min read

Female Invest Narrows the Gender Investing Gap Through Information, Education, and Community

Female Invest Narrows the Gender Investing Gap

Despite patchy progress toward gender social equality since the 1960s, a yawning gender investing gap persists. Three female... read more »

Mike Senecal

By: Mike Senecal • 3/13/24

Blog

18,915 views

5 min read

Affordable, Friendly Ankeny, Iowa, Welcomes Families Looking to Put Down Roots

Ankeny Welcomes Relocating Families Looking to Put Down Roots in Iowa

In the post-pandemic economy, families are moving to locations that offer affordability, opportunity, an engaged population,... read more »

Mike Senecal

By: Mike Senecal • 3/8/24

Blog

11,891 views

5 min read

TrueAccord Smashes Debt Collection Stereotypes to Deliver a Friendly Experience and Positive Results

TrueAccord Smashes Debt Collection Stereotypes

The truth the old-school debt collection industry doesn’t understand is that most people want to pay their debts. TrueAccord... read more »

Mike Senecal

By: Mike Senecal • 3/7/24

Blog

28,560 views

5 min read

Workers Credit Union Provides Personalized Financial Coaching To Members Through The Workers Way™

Workers Credit Union Provides Personalized Financial Coaching

The North Central Massachusetts communities that Workers Credit Union serves are known for their diligence and commitment. Those... read more »

Mike Senecal

By: Mike Senecal • 3/6/24

Blog

19,392 views

5 min read

Consumer Attorneys Helps Victims of Credit Report Inaccuracies Clear Their Records and Recover Damages

Consumer Attorneys Helps Victims of Credit Report Inaccuracies

Many consumers know the three major US credit bureaus: Experian, Equifax, and TransUnion. But they may not know that dozens of... read more »

Mike Senecal

By: Mike Senecal • 3/5/24

Study

26,180 views

13 min read

10 Best Money Saving Blogs for 2024

10 Best Money Saving Blogs for 2024

Learning to build a nest egg isn’t as simple as flipping a switch. You’ve got to understand your motivations and challenges before you can create... read more »

Mike Senecal

By: Mike Senecal • 2/29/24