Derrick Washington

Personal Finance Editor

Derrick spent seven years as a certified credit counselor at a HUD-approved nonprofit, then ran financial literacy workshops for community colleges and church groups across the Southeast for another four. He has sat across the table from hundreds of people trying to escape a payday loan cycle, and he knows which alternatives actually work and which ones are marketing dressed up as help.

For Payday Loan Compare he covers how payday loans actually work, the real APR math, the alternatives most borrowers never hear about, and the step-by-step plans for breaking the rollover cycle. He writes from Atlanta.