...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.
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.