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Imagine a World Without Free Knowledge For over a decade, we have spent millions of hours building the largest encyclopedia in human history. Right now, the U.S. Congress is considering legislation that could fatally damage the free and open Internet. For 24 hours, to raise awareness, we are blacking out Wikipedia. Learn more. Make your voice heard Facebook Google+ Twitter

Saying it's a crazy, complex world out there is putting it mildly. The rate of technological change is staggering. The constant bombardment of information and communication has us all on overload. And we're constantly slugging it out in a brutally competitive global market.

A friend is burdened with multiple loans. Though he finds it difficult to pay his EMIs (equated monthly instalments), he hasn't defaulted. Can I take him to a debt counsellor who can advise him? What are the services debt counsellors provide and how much do they charge? Also, how long will the process take? Debt counselling in India is not a mature industry in terms of standardisation of services or charges. They may offer only advice to you or help you in liaisoning with the banks. They may charge a nominal fee, while some debt counsellors promoted by banks may offer free advice. I have two personal loans and two credit cards. I have always paid all the instalments on time. I want to apply for an education loan for my daughter. A colleague said I will not get another loan because I already have four credit products to my name. Is that true? No, this is not true. A fresh loan depends on your repayments of loans and current income. As you are servicing your unsecured loans well, I see no problem in getting an education loan for your daughter. Your daughter will be the applicant, with you being the co-borrower or guarantor. More Info: http://springhillgroupcounselling.com/