Benefits
Getting started with Social Security Disability (SSDI & SSI)
Learn what SSDI and SSI are, basic eligibility concepts, what documentation is commonly requested, and where to find official information.
Guides from DiscoverDirectly
Here you'll find a growing library of short, plain-language guides about benefits, debt relief options, and everyday money decisions. These guides are meant to help you understand the basics so you can continue your own research and ask better questions.
We're always adding new topics. Check back regularly for updates.
Benefits & government programs
Benefits
Understanding income-based assistance programs
A high-level overview of income-based programs, how income is typically evaluated, and where to find official program information.
Benefits
Why benefits applications get delayed (and what to do next)
Common reasons applications take longer, what agencies may request, and how to follow up safely using official channels.
Benefits
How to check your benefits application status safely
Safe ways to check application status, what you may need, and how to avoid scam "status check" sites.
Benefits
State vs. federal assistance programs: what's the difference?
Understand how federal, state, and local programs differ, why rules vary by location, and where to verify information.
Benefits
Understanding different Medicaid programs and coverage options
Learn about Medicaid program variations, coverage differences, and how to choose the right option for your healthcare needs.
Benefits
Emergency government benefits: getting help when you need it most
Learn about expedited SNAP, emergency Medicaid, rental assistance, and other crisis support programs available when you need urgent help.
Debt & credit
Debt
Understanding debt relief options and what actually works
Complete guide to legitimate debt relief including consolidation, management plans, settlement, and bankruptcy with pros and cons of each.
Debt
How to spot and avoid debt relief scams
Protect yourself from predatory debt relief companies with this guide to warning signs, tactics, and how to find legitimate help.
Debt
How debt collection works and your legal rights
Understand the debt collection process, know your rights under federal law, and learn what collectors can and cannot do.
Credit
Credit report basics: how to read and monitor your credit
Learn how to access your credit report for free, understand what information it contains, spot errors, and monitor your credit health.
Credit
Understanding interest fees and how they cost you money
Complete guide to how interest works on credit cards, loans, and debt, with strategies to minimize interest charges and save thousands.
Everyday savings
Savings
Practical ways to lower your monthly bills and save money
Proven strategies to reduce monthly expenses including utilities, insurance, subscriptions, and phone bills without sacrificing quality of life.
Budgeting
Budgeting basics: how to track your money and build stability
Learn practical budgeting strategies that work for real life, including how to track expenses, set priorities, and build financial stability on any income.
Savings
How to audit your subscriptions and stop wasting money
Step-by-step guide to finding and canceling unused subscriptions, identifying subscription creep, and preventing future unnecessary recurring charges.