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3 min read Published 17 October 2022
Writer: Kellye Guinan. Written by Personal and Business Finance contributor
Kellye Guinan is a freelance editor and writer who has more than five years ' experience within personal financial matters. She is also a full-time librarian at the local library in which she assists the community access information about financial literacy, among other topics.
Editor: Rhys Subitch Edited by Auto loans editor
Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers gain the confidence to control their finances through providing precise, well-studied information that break down complex subjects into bite-sized pieces.
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