Contributor
Priya Raman
Markets & Data Analyst
M.S. Statistics, NYU. Former quantitative analyst at a fixed-income asset manager.
Priya builds and interprets The Ledger's payoff calculators, market dashboards and household debt models. Her analysis cited in NY Fed and Federal Reserve consumer-credit briefings.
Bibliography · 1 article
- Jun 16, 2026
Personal Loans: The Tool That Quietly Replaced the Credit Card
Fixed-rate, fixed-term, unsecured installment loans now finance everything from medical bills to weddings. The economics are clearer than revolving credit — if you read the terms.