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Legamoney

Contributor

Sarah Mitchell

Consumer credit writer — personal loans, debt and credit scores

Sarah Mitchell covers borrowing outside the mortgage: personal loans, credit cards, student debt, debt payoff strategy and how credit scoring actually works. She uses CFPB guidance, the Federal Reserve's G.19 consumer credit release and the federal student aid rules as her reference points, and shows payoff arithmetic in full. She works with the Legamoney Mortgage & Lending Desk.

Areas of expertise

  • Personal loans and loan comparison maths
  • Credit cards, interest accrual and payoff plans
  • Debt management and consolidation
  • Credit scores, reports and disputes

Published

91 articles

How we verify what we publish

  1. 01Every factual claim is traced to a named regulator, government agency, or the provider's own published terms before publication.
  2. 02Figures that change — rates, limits, thresholds — link to the primary source that publishes them rather than being quoted as a fixed number.
  3. 03Worked examples are shown as full arithmetic so a reader can reproduce the result independently.
  4. 04Each guide is checked by the owning editorial desk before it is published, and again whenever the underlying rules change.

Articles by Sarah Mitchell

Loans & Mortgage (24)

Student Loans · 11

Personal Loans · 4

Credit · 4

Credit

How Credit Card Interest Is Calculated

Updated Aug 14, 2026 · 2 min read

Debt Management · 4

Loan Calculators · 1

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