Student Loans

How Often Can You Refinance Student Loans – When Is It Smart To Consolidate Student Loan Debt?

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How Often Can You Refinance Student Loans – Most Popular?

When Is It Smart To Consolidate Student Loan Debt?
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33 Comments

  1. Diesel The Trucker
    July 24, 2021 at 4:17 pm

    What’s a good insurance rate?

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  6. Joyce Sherrí
    July 24, 2021 at 4:17 pm

    I definitely appreciate all the good work Dave is doing and the information he provides to the masses. The thing I don't appreciate is the judgment that comes from Dave when people talk about their student loan debt they've accumulated. "What in the world? Who got the expensive degree?" "So you just overpaid for the degree is all…" This kind of nonsense implies that everyone has had the SAME opportunity to advance in their lives and the same ACCESS to important information when it comes to our finances. For some people getting student loans are the only way they can get out of their current situation (usually a very very low socio-economic status) and try to put themselves in a better position to help themselves and their family by getting an advanced degree. Not everyone grew up with educated parents who had all the answers on how money works and why it is important to stay out of debt. Most of us didn't learn any of this until it was already too late. Miss me with all this judgment and just focus on helping people get out of debt instead of making them feel bad for making decisions based on what options were available to them at the time.

  7. Meg M.
    July 24, 2021 at 4:17 pm

    Dave seems severely out of touch. $100,000 gross would mean take home (in my State at least) would be touching $70,000. The cheapest 1 bedroom apartment that is run down comes in at about $1800 a month, then add in normal things like gas, utilities, medical bills, conservative amount of food… and I don't see any chance of them being able to pay $50,000 a year. He is as bad as the lenders not assessing the holistic experience of bills and just hyper focusing on the loan payment as if that is the only thing they have to be accountable for.

  8. Shawn Warnick
    July 24, 2021 at 4:17 pm

    how about 200k in 4 different loans all with over 9%? On top of government loans at about 190k at 3%. Household income of 137k and it will probably increase 5% within a year? Would you consolidate then? We Live off of 60k and the rest goes to loans.

  9. Erica Nanni
    July 24, 2021 at 4:17 pm

    Anybody have any good beans and rice, rice and beans recipes?

  10. colorblindkid720
    July 24, 2021 at 4:17 pm

    I hate how Dave says all the time "you overpaid for the degree" NO. They DON'T always overpay. State schools are still what.. best case $14-20k a year? that's pushing $80k for a four year degree. There's two of them. I think that amount of student loan debt is reasonable for two people who didn't have assistance from their parents and had to take out loans to go to school. Is it a ton of SL debt? YES? But it's not like they went to a $60k a year college and majored in ancient dance history…

  11. fsmoura
    July 24, 2021 at 4:17 pm

    ♪ Rice & Beans
    Rice & Beans
    Rice Rice, Beans Beans
    Rice & Beans Rice & Beans ♪

  12. Sewmelkam Mulugeta
    July 24, 2021 at 4:17 pm

    Hello Dave I follow your Show on YouTube,…and Really helped me wake up from Financial Nightmare, but I am facing one problem and its the EveryDollar app for Budgeting which is not available in my Country. . .I can use other available free apps but Wanted EveryDollar to see if it has any different feature to apply the Principles you teach about. . .Thanks

  13. Austin Patrick
    July 24, 2021 at 4:17 pm

    I just consolidated all my debt into my car loan which already had huge equity built up. In the consolidation I saved so much on interest it will take me half the time to pay it all off. As you probably guessed it, my interest rate is wayyyyyyyy lower than it was. I went from loan on signature to loan with collateral. Smartest thing I've done since being in debt. I'll be out in only a year even on a steak and potatoes budget. Less time if I buckle down. Once out of debt I'm never going in debt for a car again. In fact I'll probably buy a junker car to preserve the nice new car I've already put so much money into so I have a chance at getting my money's worth out of it.

  14. leg press
    July 24, 2021 at 4:17 pm

    10th grade education. Make 70k a year
    Work from home. Degrees are a fraud.
    Everyone with money knows it. So go serv your corporate masters for 35 k a year and with that mandatory degree.
    Worthless….. dump and lean churn and burn.

  15. Ian Mowbray
    July 24, 2021 at 4:17 pm

    Married at 23 😳I did not meet my wife an till I was 30.

  16. ZENiTH Dragon
    July 24, 2021 at 4:17 pm

    If you are BLACK watch the sermon “They Jacked Us” by Stephen Darby on YouTube. If you want to know who your people are. Who has taken your place and tries to hide your God given purpose in this world. Watch it if you want to understand what we were before we came to America. It’s not as simple as you think. African is not the answer. Not the whole answer. The tribe of Judah is waking up and the prophesy in the Bible’s Deuteronomy 28 is on its roll towards the time of Judgment. The curse on us is coming to a close. Be ready. Know who you are because once you’ve read this far God can officially hold you accountable for what you did and didn’t decide to do. Watch the sermon. It’s a very important piece of the puzzle that history because it changes the world as we see it. Avoiding this is a mistake.

  17. iceman
    July 24, 2021 at 4:17 pm

    Dave, he said gross is 100k. We all know after taxes are taken out, he not making 100k a year. 🤦‍♂️🤷‍♂️

  18. A N
    July 24, 2021 at 4:17 pm

    Being 23 and getting married was your first mistake

  19. Knockout Investing Life
    July 24, 2021 at 4:17 pm

    100k combined is low income. My wife and I combined is $200,000.

  20. Jose Anastz
    July 24, 2021 at 4:17 pm

    Interest make life interesting they always say. It's better to the lender but worse to the borrower.

  21. Jay Ritchie
    July 24, 2021 at 4:17 pm

    Sounds like a great young man. Mech Eng is a good career (might be a bit of a slow burner with that level of debt) and his wife has a proper steady income with a future. Shame they are in so much debt but suspect they can get out of it in a decent enough timescale. Would like more emphasis on career development and pay rises in this type of case.

  22. Jermaine
    July 24, 2021 at 4:17 pm

    Which is better.. Consolidating a student loan or refinancing it? I was thinking about refinancing my loan from Navient to a bank thru Credible because a few have the forbearance option which may help if I was to ever lose my job. Plus the interest rate is fixed and a little lower. Any opinions would be great. Thanks

  23. Ahmed
    July 24, 2021 at 4:17 pm

    Reid like Riley?

  24. Ebonnee Nelson
    July 24, 2021 at 4:17 pm

    I consolidated my student loans and I don’t regret my decision. I was paying 4 different companies 30% interest rate combined including variable rate. When I consolidated I now pay 5% interest and just 1 loan payment. And it even helped me pay down my loans faster because I was giving an extra $200 in addition to my minimum monthly payment every month. In 2 years I will be done paying off this loan.

  25. Daniel Iles
    July 24, 2021 at 4:17 pm

    Check the interest rates you have vs what you could get. Don’t let the decreased payments make you let up from working down the debt!!

  26. Raphael De La Ghetto
    July 24, 2021 at 4:17 pm

    Another thing to consider, is whether the loan is a federal or private. If you lose your job, you can get a forbearance on a federal loan and not have to pay for up to a year. You can't do that with the private ones.

  27. Mike Brophy
    July 24, 2021 at 4:17 pm

    Why talk in gross incomes. The practically of his entire approach is based on the NET income of the caller; money that can be used to pay off debt. Calculating off gross income makes no sense.

  28. Joshua
    July 24, 2021 at 4:17 pm

    Never.. cause you can never get out of it…. lol

  29. Chevy Guy
    July 24, 2021 at 4:17 pm

    Beans and bens, rice and rice

  30. CA Buildz
    July 24, 2021 at 4:17 pm

    Dave keep inspiring!

  31. superduperjoi
    July 24, 2021 at 4:17 pm

    First

  32. superduperjoi
    July 24, 2021 at 4:17 pm

    Go Tigers!

  33. QueenStylin
    July 24, 2021 at 4:17 pm

    Roll Tide!