Founding editor
Priya Shah
Priya founded Ledger & Latte after six years underwriting consumer loans and credit lines at a regional credit union, reading enough loan files to know where an advertised rate and the real cost tend to split. She still pulls current rate sheets herself before every card or loan comparison goes up, rather than relying on an aggregator's numbers. She lives outside Portland and reconciles her own bank statements by hand once a month.
Covers Credit Cards, Loans
Latest from Priya
How Credit Utilization Is Calculated (With Worked Examples)The actual formula behind credit utilization, worked through with real numbers for a single card and a three-card household, plus why your number looks different by the day.
Debt Consolidation Loans Compared: What $15,000 at 11% Actually CostsA line-by-line breakdown of what a $15,000 debt consolidation loan at 11% APR costs across three loan terms and five lenders, with origination fees shown separately.
The Best Cash-Back Credit Cards for Groceries in 2026We compared five grocery cash-back credit cards on rate, caps and fees, then ran the math on a real $700/month grocery bill to see which one actually pays the most.