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YFP 234: Your Student Loan Refinancing Questions Answered

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Manage episode 314821030 series 1474130
Konten disediakan oleh Tim Ulbrich and Tim Baker. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Tim Ulbrich and Tim Baker atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang dijelaskan di sini https://id.player.fm/legal.

YFP Planning Lead Planner, Kelly Reddy-Heffner, discusses commonly asked questions regarding refinancing student loans.

Key Points from this Episode

  • An introduction to Kelly Reddy-Heffner, and recapping her previous YFP episode.
  • How it's a complicated decision to choose the right repayment plan for you.
  • The two distinct categories of who refinancing is not a good fit for.
  • A reminder that refinancing is a one-way street from federal to private.
  • Do checking rates impact my credit score? Be aware of the language used!
  • Unpacking the option of refinancing more than once.
  • Reading the fine print on what happens to the loan in the event of death or disability.
  • Picking a time horizon and monthly payment amount that's doable.
  • Fixed-rate or variable? Kelly recommends what to do in the current climate.
  • We break down the difference between consolidation and refinancing.
  • Pursuing income-based repayment options, and some challenges with private loans.
  • Hear about a partial refi of a federal loan.
  • We reflect on some of the past rates etched in Tim's mind from his repayment journey.
  • Thoughts on the upcoming end of administrative forbearance and unlikely extensions.
  • Kelly shares some parting advice for December that we all need to hear!

Links Mentioned in Today’s Episode

  continue reading

631 episode

Artwork
iconBagikan
 
Manage episode 314821030 series 1474130
Konten disediakan oleh Tim Ulbrich and Tim Baker. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Tim Ulbrich and Tim Baker atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang dijelaskan di sini https://id.player.fm/legal.

YFP Planning Lead Planner, Kelly Reddy-Heffner, discusses commonly asked questions regarding refinancing student loans.

Key Points from this Episode

  • An introduction to Kelly Reddy-Heffner, and recapping her previous YFP episode.
  • How it's a complicated decision to choose the right repayment plan for you.
  • The two distinct categories of who refinancing is not a good fit for.
  • A reminder that refinancing is a one-way street from federal to private.
  • Do checking rates impact my credit score? Be aware of the language used!
  • Unpacking the option of refinancing more than once.
  • Reading the fine print on what happens to the loan in the event of death or disability.
  • Picking a time horizon and monthly payment amount that's doable.
  • Fixed-rate or variable? Kelly recommends what to do in the current climate.
  • We break down the difference between consolidation and refinancing.
  • Pursuing income-based repayment options, and some challenges with private loans.
  • Hear about a partial refi of a federal loan.
  • We reflect on some of the past rates etched in Tim's mind from his repayment journey.
  • Thoughts on the upcoming end of administrative forbearance and unlikely extensions.
  • Kelly shares some parting advice for December that we all need to hear!

Links Mentioned in Today’s Episode

  continue reading

631 episode

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