Debt and Credit

I owe for a student loan and want to know if my federal tax refund will be applied to this debt.

My credit is good, but my fiance’s credit has some issuess, such as not paying bills on time and bounced checks. When we get married, how will that impact my credit score?

I’ve received three different scenarios from a lender and I don’t know how to evaluate them to see which one is best for me. Do you have any tips or websites that would be helpful?

For this reason or another, at the end of the month, I always seem to have spent my entire paycheck. What are some tips to help me get better at putting money away?

What is the best strategy here? Thank you!