In this NGPF Podcast episode, Melissa Lambarena, a content expert from NerdWallet, shares her journey from creating legal content to helping people navigate personal finance topics. With a focus on service journalism, Melissa has spent years breaking down complex financial concepts to make them accessible for consumers. She discusses the importance of understanding credit card hardship programs, debunks common misconceptions about credit cards, and offers advice on how students can build strong credit habits. Tune in for valuable insights on credit cards, credit scores, and managing finances effectively.