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Mortgage Forbearance: Understanding the Basics

January 30, 2023 by Brett Tams

When your budget is tight due to a financial setback, figuring out how to handle expenses is overwhelming. Thankfully, there are options like mortgage forbearance to ease the financial burden resulting from crises like the COVID-19 pandemic. Mortgage forbearance is when your mortgage servicer or lender allows you to pause or reduce your payments for

The post Mortgage Forbearance: Understanding the Basics appeared first on MintLife Blog.

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SelectQuote Auto Insurance Review

January 30, 2023 by Brett Tams

If you’re buying new shoes or a pack of t-shirts, shopping online can make life so much easier. But comparing financial products such as auto insurance online can be tougher because the price isn’t the only variable, and shipping times don’t even matter. SelectQuote, which has helped millions of people compare life insurance policies online, […]

The post SelectQuote Auto Insurance Review appeared first on Good Financial Cents®.

Posted in: Banking, Insurance Tagged: 2021, 2022, AAMS, Accredited Asset Management Specialist, advisor, affordable, agent, agents, air, All, assets, author, Auto, auto insurance, before, black, Blog, blue, book, Built, business, Buy, Buying, car, cars, cents, color, commission, company, cons, Convenience, cost, custom, data, disclosure, Drivers, driving, entry, Featured, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, freedom, good, Google, green, helpful, home, Homeowner, Illinois, Insurance, insurance plans, internet, investment, Learn, Life, life insurance, list, LOWER, Main, Make, making, market, money, More, Moving, needs, new, News, offer, offers, online shopping, Other, Personal, personal finance, planner, Planning, podcast, policies, premium, proactive, products, property, pros, Pros and Cons, protect, protection, Purchase, Quotes, Raise, rate, Rates, Research, retirement, Retirement Planning, Review, right, safety, save, Save Money, savings, science, SEC, Sell, selling, shopping, simple, stable, states, time, traditional, value, wants, Ways to Save, wealth, wealth management, will, work, youtube

Qplum Review: An A.I. Powered Wealth Manager

January 29, 2023 by Brett Tams

Qplum, launched in 2016, is an independent investment advisor. Qplum makes investing easy with their P.I.E approach to investing – Plan, Invest, and Engage.

The post Qplum Review: An A.I. Powered Wealth Manager appeared first on Bible Money Matters and was written by Contributing Author. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Posted in: Investing, Money Basics Tagged: 2, 2016, action, active, active investing, advisor, All, ask, asset allocation, assets, author, banks, Benefits, big, bonds, Broker, brokers, build, business, city, company, cons, contacts, crash, Crisis, data, disclosure, efficient, ETFs, expensive, Fees, Financial Advisor, financial crisis, Financial Wize, FinancialWize, formula, fund, fund managers, funds, get started, good, great, Grow, helpful, house, Invest, Investing, investment, investment returns, investments, investors, IRA, IRAs, irs, Life, list, Live, low, Make, making, market, miller, money, Money Matters, More, needs, new, offer, offers, office, online investing, Other, passive, Personal, pie, pinterest, plan, Planning, portfolio, priorities, proactive, pros, questions, returns, Review, right, risk, robo-advisors, roth, Saving, simple, sponsored post, stable, statistics, stocks, Style, tax, tax liability, tax loss harvesting, taxes, Technology, time, time horizon, title, tools, trading, traditional, unique, update, value, wealth, wealth managers, will, withdrawal, work, wrong

How to Retire at 50 in 7 Easy Steps

January 29, 2023 by Brett Tams

Early retirement has become a popular financial goal. And well it should be. Even if you never retire early, just knowing that you can is liberating! And it may just be the strategy that frees you up to take on even bigger challenges in life. That can happen when you reach the point where you […]

The post How to Retire at 50 in 7 Easy Steps appeared first on Good Financial Cents®.

Posted in: Retirement, Starting A Family Tagged: 2, 2021, 2022, 2023, 401(k) plan, 429, AAMS, Account management, Accredited Asset Management Specialist, ad, advisor, Alabama, All, AllY, Amount Of Money, annuities, annuity, Arizona, Arkansas, ask, assets, author, balance, Bank, bargains, basic, before, Benefits, betterment, big, bills, Blog, blue, bonds, book, bridge, Budget, build, business, Buy, california, car, cents, Choices, clear, Clothing, color, Colorado, commission, Connecticut, conversions, cost, Cost of Living, couple, custom, customer service, data, Debt, Deductible, deposit, diet, disclosure, diversify, dream, Early retirement, earnings, eating out, education, efficient, Emergency, Emergency Fund, employer, Entertainment, entry, estate, ETFs, expectations, expense, expenses, expensive, experience, experts, Extra Money, faq, Featured, Fees, filing taxes, Finance, Financial Advisor, Financial Freedom, financial goal, financial independence, Financial Wize, FinancialWize, fire, Florida, food, freedom, freelance, fund, funds, Georgia, get started, goal, goals, good, Google, great, green, growth, guide, hawaii, health, healthcare, historical, home, house, Housing, How To, idaho, ideas, Illinois, Income, income tax, Income Taxes, indiana, Insurance, interest, interest rates, Invest, Investing, investment, investment portfolio, investment returns, investments, investors, IRA, IRAs, irs, items, job, jobs, jump, Learn, Life, Lifestyle, list, Live, living expenses, Living in Retirement, louisiana, low, m1 finance, Main, maine, Make, making, market, Maryland, Massachusetts, Medicare, Michigan, mississippi, missouri, money, montana, More, more money, Mortgage, nebraska, needs, net worth, Nevada, new, New Jersey, new york, north carolina, offers, office, Oregon, Other, paint, payments, pension, Personal, personal finance, plan, planner, Planning, podcast, Popular, portfolio, present, proactive, Promotion, Purchase, quality, Raise, rate, Rates, ready, Real Estate, Research, retire early, retirees, retirement, retirement accounts, Retirement Income, retirement plan, Retirement Planning, retirement savings, returns, Review, rewards, right, risk, robo-advisor, roth, Roth IRA, Roth IRA conversion, Roth IRAs, Salary, save, Saving, savings, Savings Goals, science, SEC, second, security, selling, shares, Side Hustle, single, social security, social security benefits, Software, South Carolina, south dakota, Spending, Start Saving, steel, stock, stock market, stocks, Strategies, Style, target, tax, tax deductible, tax liability, tax loss harvesting, taxable income, taxes, Tennessee, texas, The Stock Market, time, title, trading, traditional, traditional IRA, Travel, tv, under, Utah, vacations, Video, virginia, wants, washington, Washington DC, wealth, wealth management, will, Wisconsin, withdrawal, work, working, wrong, youtube

Is your home a better investment than the stock market?

January 29, 2023 by Brett Tams

I’ll admit it: There are times that I think everything that needs to be said about personal finance has been said already, that all of the information is out there just waiting for people to find it. The problem is solved.

Perhaps this is technically true, but now and then — as this morning — I’m reminded that teaching people about money is a never-ending process. There aren’t a lot of new topics to write about, that’s true (this is something that even famous professional financial journalists grouse about in private), but there are tons of new people to reach, people who have never been exposed to these ideas. And, more importantly, there’s a constant stream of new misinformation polluting the pool of smart advice. (Sometimes this misinformation is well-meaning; sometimes it’s not.)

Here’s an example. This morning, I read a piece at Slate by Felix Salmon called “The Millionaire’s Mortgage”. Salmon’s argument is simple: “Paying off your house is saving for retirement.”

Now, I don’t necessarily disagree with this basic premise. I too believe that money you pay toward your mortgage principle is, in effect, money you’ve saved, just as if you’d put it in the bank or invested in a mutual fund. Many financial advisers say the same thing: Money you put toward debt reduction is the same as money you’ve invested. (Obviously, they’re not exactly the same but they’re close enough.)

So, yes, paying off your home is saving for retirement. Or, more precisely, it’s building your net worth.

But aside from a sound basic premise, the rest of Salmon’s article boils down to bullshit.

Salmon is extrapolating -- and worse

Posted in: Investing, Retirement, Taxes Tagged: 15-year, 15-year mortgage, 2016, 30-year, 30-year mortgage, advice, All, Bank, basic, before, blue, bugs, building, Building a Home, bullshit, Buy, Buying, Buying a Home, cats, clear, closing, construction, consumption, contest, cost, crash, data, Debt, decades, Early retirement, Economics, equity, estate, existing, Felix Salmon, Finance, Financial Wize, FinancialWize, front, frugal, Frugality, fund, funds, gap, Giving, gold, good, government, graph, great, green, Grow, historical, history, home, Home & Garden, home equity, Home Price, home prices, Home Values, Homeowner, homeownership, homes, house, Housing, Housing market, housing prices, ideas, index, industrial, Inflation, interest, interest rates, Investing, investment, loan, LOWER, Make, making, market, markets, miles, Millionaire, money, More, Mortgage, mortgage payments, mutual funds, needs, net worth, new, new construction, Other, payments, percent, Personal, personal finance, plan, pool, proactive, rate, Rates, Real Estate, rental, rental properties, Research, research papers, Residential, retirement, retirement fund, returns, Reverse, reverse mortgage, rich, right, Robet Shiller, running, Saving, Saving for Retirement, sears, second, Sell, simple, smart, statistics, stock, stock market, stock market returns, stocks, tax, teaching, The Stock Market, time, title, updates, value, wants, war, wealth, will, work

Best budgeting apps of 2021

January 28, 2023 by Brett Tams

 

YNAB: You Need a Budget Review

If you’re ready to account for where every cent of your money goes, You Need a Budget could work for you. The app is based on the premise of “giving every dollar a job,” meaning you budget for every expense — fixed, discretionary or otherwise. Want to buy a new purse or pair of shoes? If your monthly clothing budget is $100, then you may not be able to afford it this month. Friends want to double date at that trendy new Italian restaurant? It may not be in your $200 dining out budget.
You Need a Budget Logo
The app makes budgeting straightforward, allowing you to see how much over or under you are for a particular line item. But it’s best for people who want to get serious about how much they actual spend and where they may need to make sacrifices to achieve a larger goal.

What I Liked

Zero-based budgeting is tough, but I can see its value. You have to account for every dollar coming in, either using it to cover monthly household expenses, pay off debt, for dining out and for what YNAB calls “quality of life” expenses like vacation. During this process, I realized that I’m not as good a budgeter as I thought. I do a good job of tracking our spending after the fact, but I could improve when it comes to setting aside money for specific purposes — basically being more financially proactive. For example, before using this app, I had no idea how much my husband and I spent each month dining out and we never really set aside a specific amount for this purpose. It was more like “we’ll eat out no more than two times a week.” I also had no gauge of my own discretionary spending, since this money comes out of my personal account. Using the tool allowed me to see that we spend less than $200 a month eating out, but that I need to keep a better eye on my discretionary spending for things like beauty and hair products and anything from Amazon.com (Amazon Prime admittedly has turned me into a shopping junkie). We plan to buy a house within a few years, so YNAB allowed me to see that these are two areas where we (or I) could curb spending and put that additional money toward a down payment. Actually seeing the budget also showed me that we could be saving more. We have more cushion than we need in our account for household expenses, so it might be better to put more of that money toward retirement or paying down my student loans.

Posted in: Budgeting, Personal Finance Tagged: 2, 2016, 2021, aid, All, Amazon, amazon prime, android, app, apple, appliances, Apps, Auto, auto insurance, balance, Bank, bank account, bank accounts, bank of america, Banking, banks, bar, basic, Beauty, before, big, bills, Blog, blue, Budget, Budgeting, budgeting apps, budgeting tools, budgets, building, business, Buy, buy a house, Buying, Buying a house, capital one, car, Car Insurance, charitable donations, Checking Account, Clothing, coffee, College, college student, color, color-coded, company, cost, couple, Credit, credit card, customer service, data, debit cards, Debt, deposit, Digit, dining, dining out, down payment, eating out, Emergency, Entertainment, entry, envelope system, expense, expenses, Fall, Family, FDIC, Fees, Finance, finance app, finances, financial goal, financial habits, Financial Plan, Financial Wize, FinancialWize, Fintech, fixed income, free download, friendly, fun, funds, gas, get started, Getting Out of Debt, Getting Started, Giving, goal, goal setting, goals, good, Google, Graphic, great, grocery, Grocery Shopping, Guides, habits, health, helpful, history, home, house, household, ideas, Income, Insurance, interest, internet, Investing, investment, investments, iPhone, items, job, Life, list, lists, Live, Loans, Local, low, lyft, Make, making, millennials, Mint, mint.com, mistake, mobile, Mobile App, money, monthly expenses, More, Mortgage, multiple income streams, needs, net worth, new, offers, online purchases, Other, patterns, Pay Off Debt, paycheck, paycheck to paycheck, Personal, personal finance, personal information, phone numbers, pie, plan, premium, pressure, proactive, products, Purchase, quality, questions, Rates, ready, Rent, restaurant, retirement, Revenue, Review, Reviews, right, running, safe, save, Save Money, Saving, savings, Savings Account, savings goal, scams, School, searching, second, security, self-employed, Sell, selling, shopping, simple, single, Software, Spending, spending report, spouse, starbucks, startups, Strategies, student, Student Loans, Tally, Technology, time, title, tools, tracking, traditional, Transaction, Transportation, trends, Uber, under, Unemployment, updates, utilities, vacation, vacations, value, versus, will, work, young, Zero-Based Budgeting

17 Tactics and Skills to Increase Your Earning Potential

January 28, 2023 by Brett Tams

The job market is a competitive place, and companies are doing everything they can to attract top talent. Competitive benefits like work from home privileges, dog-friendly offices, and stocked beer fridges are just a few of the things that businesses are implementing to help them stinand out in a crowded marketplace. While it can be

The post 17 Tactics and Skills to Increase Your Earning Potential appeared first on MintLife Blog.

Posted in: Early Career, Financing A Home Tagged: 2, 2022, action, active, Advertising, advice, All, app, Applications, apr, assets, author, before, Benefits, big, Blog, blue, Budget, building, business, Career, Careers, chance, Children, College, color, company, Compensation, Competition, Credit, data, disclosure, Early Career, earning, Earning Potential, education, Emergency, Emergency Fund, entry, Family, Financial Freedom, Financial Goals, Financial stress, Financial Wize, FinancialWize, freedom, friendly, fund, General, goals, growth, guide, home, How To, how to negotiate, Income, Invest, items, job, job market, jobs, language, layout, Learn, Legal, Life, Main, Make, market, Mint, mint.com, mobile, modern, money, More, new, Offices, opportunity, party, proactive, resume, right, safe, Salary, save, Saving, single, space, stress, Style, tax, taxes, time, title, tools, tuition, Unemployment, will, work, work from home

Recession Proof: How to Prepare for the Next Recession

January 28, 2023 by Brett Tams

Regular followers on this blog and my YouTube videos know that I’m a pretty positive guy. So why would I take on a topic like how to prepare for the next recession? And why would I even speculate that it may happen as early as this year? Because it’s going to hit – sooner or […]

The post Recession Proof: How to Prepare for the Next Recession appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2016, advisor, All, all-time highs, Alternatives, Amount Of Money, apartment, Apps, Auto, Auto Loans, balance, balance transfer, Bank, Banking, basic, bear market, before, Blog, brokerage, brokers, Budget, Budgeting, budgeting apps, build, building, business, Buy, Buying, buying a new car, car, Career, chance, Commercial, commercial property, commission, company, cost, couple, coupons, crash, Credit, credit cards, Crisis, Debt, Debts, Disability, diversify, dividend, dividend stocks, dividends, Economy, Emergency, Emergency Fund, employer, employer-sponsored retirement plan, equity, estate, expense, expenses, expensive, Extra Income, Federal Reserve, finances, Financial Advisor, Financial Wize, FinancialWize, financing, food, foundation, free budgeting, fund, funds, Get Out of Debt, get started, good, grocery, grocery bill, Grocery Shopping, growth, growth stocks, gym, gym membership, health, hold, home, homes, house, Housing, How To, Hulu, impact, Income, Insurance, interest, interest rate, interest rates, Invest, Investing, investment, investment portfolio, investments, job, Job Search, jobs, journey, Life, list, living expenses, loan, Loans, Local, low, LOWER, maintenance, Make, making, Manage Money, market, markets, mindset, money, More, Mortgage, Motivation, Move, Moving, mutual funds, needs, netflix, new, new home, new job, News, offer, office, organize, Other, panic, payments, Personal, Pet, plan, policies, portfolio, principal, proactive, project, proof, property, Purchase, Raise, rate, Rates, Real Estate, real estate investment, Recession, Refinance, refinancing, REITs, restaurant, restaurants, retirement, retirement plan, returns, Review, Reviews, rich, safe, save, savings, Savings Accounts, search, second, Secondary, self-employed, selling, shopping, Side Hustle, single, skill, smart, Spending, stock, stock market, stock market crash, stocks, Strategies, stress, student, student loan, Student Loans, target, tax, Tax Advantages, The Stock Market, time, title, trading, trust, under, Unemployment, utility costs, value, volatility, will, work, workers, youtube

Explaining the Loan Process Part 4: Underwriting Mortgage

January 27, 2023 by Brett Tams

There are many steps associated with securing a home loan. After the preparation, paperwork, pre-approval and appraisal, you’ll find that you’re still not quite ready to pick up the keys to your new property. Final verification from your lender is required to ensure you’re equipped to repay your mortgage in full and on time. This is where the mortgage underwriting process comes into play. During the underwriting stage, your application moves from the loan processor to the mortgage underwriter. The underwriter will ensure your financial profile matches your lender’s qualification guidelines and loan criteria. Then, the underwriter will make the final decision to approve or deny your loan application. The mortgage underwriter plays a crucial role in finalizing your loan, so it’s important to set yourself up for success during this stage. In fact, there are several steps you can take to improve your overall financial health and increase your chances of being approved. What Is the Role of a Mortgage Underwriter? A mortgage underwriter is responsible for analyzing your risk to determine if your loan terms are acceptable. The underwriter will investigate to make sure your application and documentation are truthful, and they will double-check you have described your finances accurately. Mortgage underwriting standards have become more stringent, thanks in large part to new Consumer Financial Protection Bureau requirements enacted in the last few years. This requires mortgage underwriters to look closely at the applicant’s employment and financial history before approving a loan. Depending on your lender, the mortgage underwriter may be part of an in-house underwriting team or a separate processing/underwriting company your lender uses to outsource the underwriting process. The underwriting process may vary slightly among lenders, who can delegate responsibilities to originators, processors and underwriters accordingly. Make sure to check with your loan originator for guidance on what information to send to whom. How Long Does Underwriting a Mortgage Take? Underwriting mortgages is an essential part of the overall home loan process and generally takes about 30–60 days, depending on the type of loan, lender and current volume of borrowers. The underwriting process itself demands only a small fraction of that time, typically only a few days. That said, because authentication and verification of the loan are the primary reason for underwriting, mortgage companies are very thorough in reviewing every aspect of the loan before they are willing to finalize it. This means that if the underwriter encounters an issue, it may delay your closing. Determining Your Risk In order to assess a borrower’s risk, mortgage underwriters primarily look at the “Three C’s” of underwriting: Capacity: Do you have the means and resources to pay off your debts? Underwriters assess your available resources by reviewing your employment history, income, debts and asset statements. (Note: If you are self-employed, you may be asked to provide additional documentation such as income and work status.)They will also review your savings, checking, 401(k) and IRA accounts to ensure you can still pay your mortgage if expenses arise unexpectedly. Underwriters will pay particular attention to your debt-to-income ratio; they want to ensure you have enough money to fulfill your current financial obligations, as well as take on a new mortgage. Credit: Do you have solid repayment and credit history? Your credit is one of the most important factors in the loan approval process. The underwriter will review your credit score and determine your ability to make the proposed mortgage payments on time and in full. Collateral: What is the value and type of property being financed? The mortgage underwriter must make sure the loan amount meets the loan-to-value requirements of the product. Otherwise, in the case of a default, a lender may not be able to recover the unpaid balance of the loan. In order to place a value on the property, an underwriter will typically order a home appraisal, which will assess the home’s current worth.In addition, the underwriter will likely review the type of property you are looking to buy. This is important for several reasons.First, different types of properties carry different risks. For example, many lenders consider an investment property a riskier investment. This is because, historically, a borrower who is in a difficult financial situation is more likely to walk away from an investment property than their primary residence.Second, lenders need to be sure that the property they are helping you purchase doesn’t already have any legal claims on it. The lender will likely work with a title company during underwriting; mortgages, liens, claims, easement rights, unpaid taxes, restrictive covenants and pending legal action already attached to the home can derail a possible loan. Performing a title search ensures that the property can be transferred to you once the mortgage is finalized. How You Can Streamline the Underwriting Process Underwriting a mortgage can’t, and shouldn’t, be rushed. It takes time for the lending company to verify your information and do a final evaluation to determine whether you represent a good candidate for the loan. On the other hand, while the underwriter is ultimately responsible for the approval of your loan, there are a few things you can do to reduce your risk and make the process go more smoothly: Protect Your Credit Score Nowadays, many lenders are required to check the borrower’s credit twice during the home loan application process: once during pre-approval and once right before closing. Maintaining a good credit score throughout the application process is crucial. Any changes can delay your loan process or adversely impact your ability to obtain a loan. Respond Promptly to Requests for More Information For the purposes of approving or denying your loan, a mortgage underwriter is essentially a real estate and financial investigator. This means they will be reviewing all of your documentation and paperwork in detail and reaching out for more information when something is incomplete. Don’t be concerned if they ask for clarification on a late payment, missed signature or large deposit—these are all normal requests. The important thing is to respond quickly and accurately, which will reduce the length of the underwriting stage and improve your chances of being approved. Be Proactive About Your Loan Approval The underwriter will take care of reaching out to the necessary parties, but that doesn’t mean you have to sit back and wait. Give your employers or other relevant parties advanced notice that they may be contacted to provide information. Call your lender and/or broker to check on the status of your application to make sure the underwriter is not missing any necessary information. In addition, keep records of your conversations with your lender so you have a record of what documents were provided and when. Do All You Can to Help Your Underwriter With the home you love at stake, the underwriting process can seem very intimidating. However, being prepared by filling out your application and supporting documents carefully and accurately will save you precious time. A Pennymac Loan Expert will be happy to answer any additional questions you may have about the underwriting process. Jump to… Part 1 – Getting Prepared for the Home Loan Process Part 2 – Completing a Home Loan Application Part 3 – Understanding Loan Processing Part 4 – Explaining the Mortgage Underwriting Process Part 5 – The Mortgage Closing Process Part 6 – Transfer of Loan Servicing

Posted in: Refinance, Renting Tagged: 2, action, All, ask, assets, balance, before, Blog, Broker, Buy, closing, company, Consumer Financial Protection Bureau, Credit, credit history, credit score, Debt, debt-to-income, Debts, decision, deposit, Employment, estate, expenses, finances, Financial Wize, FinancialWize, good, good credit, health, history, home, Home appraisal, home loan, house, impact, Income, investment, investment property, IRA, jump, Legal, lenders, lending, liens, loan, loan approval, Main, Make, money, More, Mortgage, mortgage payments, Mortgages, new, Other, payments, PennyMac, pre-approval, proactive, property, protect, protection, Purchase, questions, ready, Real Estate, Review, right, risk, save, savings, search, second, self-employed, Servicing, stage, taxes, time, title, title search, Underwriting, value, volume, will, work

Student Loan Payments Are Starting Back Up: Are You Prepared?

January 27, 2023 by Brett Tams

Federal student loan payments are restarting in May of 2022. Recalibrating your budget, switching your repayment plan, and contacting your servicer are some of the things you can do to ensure you’re repayment-ready.Federal student loan payments are restarting in May of 2022. Recalibrating your budget, switching your repayment plan, and contacting your servicer are some of the things you can do to ensure you’re repayment-ready.

The post Student Loan Payments Are Starting Back Up: Are You Prepared? appeared first on Money Under 30.

Posted in: Commercial Real Estate Tagged: 2021, 2022, action, aid, All, Auto, balance, before, big, Budget, CARES Act, create a budget, Credit, Credit Bureaus, credit history, Credit Report, credit score, data, Debt, Debts, deferment, Delinquencies, earning, expenses, Fall, Family, federal student loans, finances, financial aid, Financial Wize, FinancialWize, Forbearance, fun, goals, good, good credit, Grow, guide, history, hold, house, How To, Income, interest, interest rate, interest rates, job, kids, lenders, Life, loan, Loans, low, LOWER, Make, making, married, missed payments, mistake, money, More, needs, new, News, office, Operations, opportunity, Original, Other, payments, plan, points, principal, private student loans, proactive, proof, proof of income, questions, rate, Rates, ready, refinancing, resume, returns, right, Schwab, Strategies, stress, student, student debt, student loan, student loan debt, student loan forgiveness, Student Loan Repayment, Student Loans, students, Style, tax, tax returns, time, under, update, updates, white, will, wrong
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