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You are here: Home / Archives for student loans

Should You Save for Retirement or Pay Off Student Loans?

August 29, 2018 By Katie Brewer

Save for retirement or pay off student loans

If you’ve got student loans outstanding, it’s a common predicament - should you pay off those loans as quickly as possible first, or save for retirement? The short answer is this: save for retirement, usually. You can't use a loan to pay for your retirement. But I’ll break that down and explain why that’s important, and when you might want to focus on paying off debt instead: Save for Continue Reading

Filed Under: Retirement, Retirement Planning, Student loans Tagged With: pay off loans or retirement, save for retirement, save money or pay loans, student loans

Will the Student Loan Forgiveness Program Help You?

May 22, 2018 By Katie Brewer

Modified student loan program

A couple months ago, President Trump signed a spending bill into law that includes a $350 million Public Service Loan Forgiveness (PSLF) program. There are student loan debt forgiveness programs available to help relieve the debts of borrowers in public service careers. These include teachers, nurses, doctors and police officers. The problem is that many of these borrowers are ineligible for Continue Reading

Filed Under: Student loans Tagged With: doctor student loans, PSLF, public service loan forgiveness, student loan forgiveness, student loans

Interest Rate Increase: How it Affects You

June 22, 2017 By Katie Brewer

In case you missed it, the Federal Reserve increased interest rates a quarter point last week, making this its second increase in 2017. This is an indicator of some changes on the horizon, so you may need to adjust your goals and plans accordingly. Here is how the increase could affect you: Student Loans and Interest Rates An increase in interest rates is typically an indicator that the central Continue Reading

Filed Under: Buying a Home, Economy, Student loans Tagged With: buying a house, economy, interest rate increase, interest rates, student loans

Refinancing Student Loans: Five Things to Know

March 31, 2017 By Katie Brewer

If you're still paying off student loan debt, refinancing student loans can be a smart way to shave thousands off your total payoff amount. It can allow you to consolidate your debt, pay your loans off faster and take advantage of lower interest rates. If you're a more visual learner, jump to the bottom of this blog post to watch our video on refinancing student loans. But refinancing Continue Reading

Filed Under: Student loans Tagged With: paying off student loans, refinancing, student loans

8 Money Books for New Grads

May 25, 2016 By Katie Brewer

Money books for high school grads

Graduation season is here! If you've got a student - or know one - who is graduating this spring, now is the perfect time to get them thinking about saving, budgeting and planning for their financial future. Here are some money books that would make great gifts for the grad in your life as they prepare the years ahead:   1. Work Your Wealth: 9 Steps to Making Smarter Choices With Your Money Continue Reading

Filed Under: College Planning, Financial Planning, Kids, Student loans Tagged With: graduates, money books, new grad, preparing for college, student loan debt, student loans

Choosing the Best Financial Planner for You

May 27, 2015 By Katie Brewer

Whether you're a recent graduate or a seasoned professional, a single person living in the big city or a family living in the suburbs, you could most likely use the advice of a financial planner. A big misconception is that financial planners only manage the big bucks of the country's wealthiest people, but that couldn't be farther from the truth. The trick is to find the best financial planner Continue Reading

Filed Under: Financial Planning Tagged With: budgeting, emergency savings, financial planning, Gen X, insurance, investments, millennials, prioritizing, student loans

A Millennial’s Guide to Balancing Multiple Money Goals

March 17, 2015 By Katie Brewer

ear Millennials, Should You Have More Than One Money Goal?

With student loans that need to be paid off, savings that have to be started and retirement goals that need to be planned, millennials may become overwhelmed with all the choices they have on how to spend their money. After entering the workforce full time, millennials need to make sure they’re making the most of their money. So herein lies the question -- what should millennials do with their Continue Reading

Filed Under: Financial Planning, Retirement Planning, Student loans Tagged With: budgeting, goal, millennial, negotiation, prioritizing, student loans

3 Steps to Tackling Your Student Loans

January 21, 2015 By Katie Brewer

Pixabay_woman-591576_1280

Your education got you to where you are now, so it was probably a great investment in your future! If you graduated with student loan debt, you may feel like the financial odds are stacked against you, but the truth is student loans don't have to be painful. In fact, paying off student loan debt can help set the tone of good financial behavior. My advice as a financial coach is don't ignore Continue Reading

Filed Under: Financial Planning, Student loans Tagged With: #debtisnotforever, debt, financial planning, student loans

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Katie Brewer, CFP® is a Dallas, Fort Worth, and online fee-only financial planner with over 10 years of experience. Her passion is helping clients get their financial lives in order to start living their richest lives.

Your Richest Life is a Fee-Only financial advisory firm providing honest and independent financial advice. Our clients, the members of Generations X and Y, have a different relationship with money than their parents did.

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