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  1. #21
    Marksman

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    Just did a refi on my gf's car loan. Saved about 3% and $30ish a month.
    If she wasn't so upside down on the loan it would have been cheaper to trade in on a new car with all the rebates and 0% interest.

  2. #22
    -Administrator-
    Make your own luck

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    Quote Originally Posted by troy_mclure View Post
    Just did a refi on my gf's car loan. Saved about 3% and $30ish a month.
    If she wasn't so upside down on the loan it would have been cheaper to trade in on a new car with all the rebates and 0% interest.
    Yeah, that's the way to go. I saw that Chevy is doing a 0% loan for like 84 months right now...like what?!
    -- Austin

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


    Failing to plan is planning to fail.

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  3. #23
    Not Banned!!!

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    Quote Originally Posted by AustinBR View Post
    Yeah, that's the way to go. I saw that Chevy is doing a 0% loan for like 84 months right now...like what?!
    Chevy can make something that lasts 84 months? That must be a recent development.
    "These Rocky Mountains aren't very rocky. Yeah, that John Denver is full of SH**!"

  4. #24
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    Quote Originally Posted by jdindadell View Post
    Chevy can make something that lasts 84 months? That must be a recent development.
    LMAO

    Dude the new Vette though...
    -- 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. #25
    Marksman

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    Quote Originally Posted by AustinBR View Post
    They don't have to be above 4%, but most of the fixed rates are in the 3 to 5 percent range right now, so just thinking about savings.

    In my case, my old rates were around 6% and my new rate is at 4.28%. I also changed the term and will be paying the loans off much earlier than before.

    Best bet is to just go plug your info into the website I linked above and it'll show you how much you'll save with various options. You also have the option of fixed and variable, just keep in mind that variable is tied to Prime or LIBOR and will go back up whenever rates rise.
    Thanks for the tip. I will give it another month or so and use your link to see what they have. Some of mine are subsidized with 3% but some others are 5

  6. #26
    On Target

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    Dang, $20k. I am so glad I did not take out loans for college. I joined the Army National Guard for 6 years and they paid for my college education.

  7. #27
    On Target

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    Quote Originally Posted by CatCam View Post
    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!
    When I graduate pharmacy school, I don't think they even had student loans. When I started at Northeast La State College in '63, I think tuition was twenty something dollars a semester, no matter how many hours you took, no lab fees, just had to pay for a parking permit which was nothing. I lived at home and commuted, worked part time after the first year and paid my way through the five years and came out debt free.

    Spent about 10 years in the USAF, got out and found a job in E Texas. My son went two years at jr college, then transfered to UT in Austin. I paid for all of that out of pocket. He was accepted at Law school in Miss, so I introduced him to student loans, taking out the maximum for the 3 years which was about $25,000, not a lot for 8 years of higher education.
    Last edited by jkingrph; April 1st, 2020 at 09:09 AM.

  8. #28
    Sooooo Cheesy!

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    Quote Originally Posted by Markmmg View Post
    Dang, $20k. I am so glad I did not take out loans for college. I joined the Army National Guard for 6 years and they paid for my college education.
    I went regular Army and did the same.
    Got scholarships for all my graduate work.
    That said, I fully respect those who educated themselves and took out loans.
    Donít think either path is easier.
    PSA: run up on me while I'm getting my Beef and Cheddar on and point a gun or gun like object in my face, be prepared to catch some hot ones. -Vanilla Gorilla

    Okay, why the hell is there a cock picture in my thread? -JWG223

  9. #29
    -Administrator-
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    Quote Originally Posted by Markmmg View Post
    Dang, $20k. I am so glad I did not take out loans for college. I joined the Army National Guard for 6 years and they paid for my college education.
    Yup, I didn't take any loans in undergrad, but it wouldn't have been easy to work full-time in grad-school and do well. A decent chunk of my MBA loans were from taking two international trips (as part of the program). I'd do it again in a heartbeat.
    -- 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

  10. #30
    Sooooo Cheesy!

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    Quote Originally Posted by AustinBR View Post
    Yup, I didn't take any loans in undergrad, but it wouldn't have been easy to work full-time in grad-school and do well. A decent chunk of my MBA loans were from taking two international trips (as part of the program). I'd do it again in a heartbeat.
    Nicely done.
    PSA: run up on me while I'm getting my Beef and Cheddar on and point a gun or gun like object in my face, be prepared to catch some hot ones. -Vanilla Gorilla

    Okay, why the hell is there a cock picture in my thread? -JWG223

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