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  1. #1
    -Administrator-
    Make your own luck

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    Just saved $20k...

    ...by refinancing my student loans leftover from grad-school. Rates are at all time lows right now and I finally bit the bullet and did a bunch of research into the best way to go about doing this.

    One of the options I came by is 'Credible' which compares rates from hundreds of different lendors and only does a soft-pull of your credit, so it shouldn't affect your credit score. The whole process took all of two minutes (and then I made Excel stuff to further crunch numbers).

    I ended up finding a lendor through them and was able to considerably lower my rate and term on the loan and will save around $20k over the life of the loan.

    Anyway, aside from me saving $20k, being super stoked, and buying fancy bourbon to celebrate, they also gave me a referral code where I can refer people to them and if you re-fi through them, we both get a $200 giftcard.

    Link here:
    http://refer.credible.com/xZJHmE

    If you go through and end up refinancing, I strongly urge you to use the $200 bucks on a bottle of bourbon or scotch...and I'll do the same (and then post pictures!). You could also use it towards guns, ammo, or training lol.

    If you have more than two years left on your loans, and a rate greater than 4%, I urge you to at least give it a shot as you may be able to save a good bit of cash.
    -- Austin

    "There is no "i" in team but there is in win. "
    --Michael Jordan


    Failing to plan is planning to fail.

    Buy/Sell:
    In search of used locks (padlocks, doors, etc). Click here for info

  2. #2
    Training Ferrous Metal

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    Jesus, how much did you take out to save $20k!!!

  3. #3
    Ready, Shoot, Aim!

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    Great for you AutinBR -- I'm an old-timer and graduated before all the big student loans.....I joined the military to help offset the cost of undergrad degree......then the military paid 100% for my Master's Degree.....then they sent me to all over the world....including such awesome places as Iraq & Afghanistan. BTW, I only gave those places 1 star on Travelocity!

  4. #4
    -Administrator-
    Make your own luck

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    Quote Originally Posted by kcinnick View Post
    Jesus, how much did you take out to save $20k!!!
    In the 40s from getting my MBA. None from undergrad.

    Sent from my SM-G977U using Tapatalk
    -- Austin

    "There is no "i" in team but there is in win. "
    --Michael Jordan


    Failing to plan is planning to fail.

    Buy/Sell:
    In search of used locks (padlocks, doors, etc). Click here for info

  5. #5
    Marksman

    Gold Member

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    Congrats man, I hope you're educated enough now!

    If only Biden gets elected then you may can have the rest forgiven?
    "When You Go Home, Tell Them Of Us And Say, For Your Tomorrow, We Gave Our's Today"

    Voting is the responsibility of a citizen, even if voting may not necessarily be obligatory. To not vote seems to me to be an abrogation of one's responsibility as a citizen, regardless of one's politics.

  6. #6
    -Administrator-
    Make your own luck

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    Quote Originally Posted by Gator 45/70 View Post
    Congrats man, I hope you're educated enough now!

    If only Biden gets elected then you may can have the rest forgiven?
    Thanks lol.

    Unfortunately that was never an option as mine were private not public.

    Sent from my SM-G977U using Tapatalk
    -- Austin

    "There is no "i" in team but there is in win. "
    --Michael Jordan


    Failing to plan is planning to fail.

    Buy/Sell:
    In search of used locks (padlocks, doors, etc). Click here for info

  7. #7
    Moving forward

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    No student loan but I’ve Been thinking about a refi on my home. Kinda waiting to see if the rates are really as low as they will go...

  8. #8
    -Administrator-
    Make your own luck

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    Quote Originally Posted by Tboy View Post
    No student loan but Iíve Been thinking about a refi on my home. Kinda waiting to see if the rates are really as low as they will go...
    They're pretty close to rock bottom

    Sent from my SM-G977U using Tapatalk
    -- Austin

    "There is no "i" in team but there is in win. "
    --Michael Jordan


    Failing to plan is planning to fail.

    Buy/Sell:
    In search of used locks (padlocks, doors, etc). Click here for info

  9. #9
    Marksman

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    Quote Originally Posted by AustinBR View Post
    In the 40s from getting my MBA. None from undergrad.

    Sent from my SM-G977U using Tapatalk
    Dude I was never built for the classroom I finished what was a 5 year program by all advisors accounts in 4 years and ran like hell. To sit quietly and listen to other people talk was torture. I admire my colleagues who have their MBA’s but some how I’ve manage to make a decent life another 10 years and I’m partially retiring to manage investment real estate.

  10. #10
    Training Ferrous Metal

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    Quote Originally Posted by AustinBR View Post
    They're pretty close to rock bottom

    Sent from my SM-G977U using Tapatalk
    Mortgage rates are lagging behind other interest rates right now, they probably still have some room to move down.

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