Josh Patoka

Josh is a personal finance writer and Founder of MoneyBuffalo.com. He has been featured in publications like Student Loan Hero, Well Kept Wallet and the US News and World Report.
41 Articles

Rent Debt Is Climbing Fast for Middle Income Renters in 2026

The rent notice sits unopened in your inbox a little longer than…

Josh Patoka

Medical Debt Lawsuits Are Rising in 2026: What to Do If You Get Sued

A hospital bill you meant to deal with later just turned into…

Josh Patoka

College Students Are Charging Basic Needs to Credit Cards in 2026

You tap your card for groceries because payday is still four days…

Josh Patoka

The K-Shaped Economy Is Splitting American Debt in Two: What It Means for You in 2026

Your neighbor just got approved for a new credit card with a…

Josh Patoka

Government Shutdown Debt: How To Protect Your Credit In 2026

Congress pushed the government funding deadline to December 11, 2026, when President…

Josh Patoka

Moneymaxxing Is Gen Z’s Answer to Record Debt in 2026

A friend posts online about negotiating their cable bill down. Another brags…

Josh Patoka

Household Debt Just Hit $18.8 Trillion: What It Means for Your Budget in 2026

Your grocery bill jumped again this month. So did your car insurance,…

Josh Patoka

Holiday Debt Hit $1,223 Last Year: Here’s How to Avoid It This Time

You haven't bought a single gift yet, and the credit card statement…

Josh Patoka

How To Spot A Debt Relief Or Credit Repair Scam In 2026

Your minimum payments keep climbing while your balance barely moves, and an…

Josh Patoka

Back to School Debt Is Climbing: Here’s How to Avoid It in 2026

You already said yes to the new sneakers. Then the school supply…

Josh Patoka

Is Medical Debt Still On Your Credit Report In 2026?

You got a bill for a doctor's visit over a year ago.…

Josh Patoka

Buy Now Pay Later Debt Is Adding Up Faster Than You Think

You check out online and see four easy payments instead of a…

Josh Patoka