{"id":238,"date":"2026-08-16T09:51:03","date_gmt":"2026-08-16T09:51:03","guid":{"rendered":"https:\/\/moneycq.com\/?knowledgebase=loans-and-debt"},"modified":"2026-08-16T09:51:03","modified_gmt":"2026-08-16T09:51:03","slug":"loans-and-debt","status":"publish","type":"knowledgebase","link":"https:\/\/moneycq.com\/?knowledgebase=loans-and-debt","title":{"rendered":"Loans and Debt"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Debt is a tool with a cost. MoneyCQ tracks every loan as a real product with weekly payments and interest \u2014 and debt drags on your CQ.<\/p><h2 class=\"wp-block-heading\">What it is<\/h2><p class=\"wp-block-paragraph\">A loan system covering student loans, vehicle finance, and general borrowing, each with its own terms.<\/p><h2 class=\"wp-block-heading\">What it does<\/h2><ul class=\"wp-block-list\"><li>Charges interest and a fixed or income-scaled weekly payment.<\/li><li>Counts every loan as debt in net worth.<\/li><li>Adds to your weekly payment load \u2014 the money that can&#8217;t go anywhere else.<\/li><li>Settles vehicle loans automatically when you sell the car.<\/li><\/ul><h2 class=\"wp-block-heading\">How to use it<\/h2><ol class=\"wp-block-list\"><li>Review all loans on the Money screen.<\/li><li>Pay more than the minimum when you can \u2014 interest compounds against you.<\/li><li>Watch your weekly payment load: too much debt squeezes your buffer.<\/li><\/ol><h2 class=\"wp-block-heading\">Good to know<\/h2><p class=\"wp-block-paragraph\">CQ perks help here: Preferred Rates and Mogul Touch lower your loan interest margins.<\/p><p class=\"wp-block-paragraph\">Ready to try it? Start a life at <a href='https:\/\/app.moneycq.com'>app.moneycq.com<\/a> \u2014 your first week takes about two minutes.<\/p>","protected":false},"featured_media":0,"template":"","class_list":["post-238","knowledgebase","type-knowledgebase","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/knowledgebase\/238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/knowledgebase"}],"about":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=\/wp\/v2\/types\/knowledgebase"}],"wp:attachment":[{"href":"https:\/\/moneycq.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}