LaToya Irby

​LaToya Irby is the credit and debt management expert for The Balance.

LaToya has over 11 years of experience in financial reporting as a ghostwriter for dozens of personal finance outlets, experience working as a collection specialist in the financial services industry, and has been quoted in major publications USA Today, U.S. News and World Report, Yahoo! Finance, Black Enterprise, Los Angeles Times, Chicago Tribune, and Associated Press.

LaToya has a business degree from The University of Alabama.