John Puterbaugh is a senior director for editorial for Bankrate, where he leads coverage of consumer lending, credit cards, student loans, and other related topics.

Sarah Gage is a managing editor on the Bankrate team. She has more than 18 years of professional writing and editing experience and is passionate about providing clear, concise information that helps readers take control of their personal finances.

Kendall Little is a former personal finance writer who previously covered credit card news and advice at Bankrate. Kendall currently is a staff writer for NextAdvisor. She is originally from metro Atlanta and holds bachelor’s degrees from the University of Georgia in both journalism and film studies. Before joining Bankrate in August 2018, Kendall worked in digital communications throughout various industries, including education, health care and television.

Matthew Goldberg is an award-winning writer who has been in financial services for more than 14 years. He uses his banking experience to help inform readers as they make important personal finance decisions.