Michael McAuliffe is the President and Founder of Family Credit Management, a national nonprofit credit counseling organization with more than 30 years of experience helping families navigate debt. His career spans the entire credit lifecycle, from launching credit card programs at regional banks to managing collections and leading consumer advocacy, giving him a rare, inside-out understanding of how the credit system operates and where it lets people down. A former college instructor in personal finance and business management, Michael is recognized by journalists for making complex credit and economic topics genuinely accessible. He's a frequent, media-trained commentator on credit card delinquency trends, interest rate policy, predatory lending, and generational financial habits, an...