So many 'smart people' go to college. Just not smart enough to figure out their loans. That should be a mandatory class before signing loan papers.
@fwlawrence8670
4 күн бұрын
Ten years later and this is still relevant.
@jj20253
7 ай бұрын
Agreed with all these tips. Also want to bring to everyone's attention you can do credit card balance transfers on your student loans. There are offers where you can get 3 or 5 percent one time intereat charge on the amount you transfer. And then you have 12-21 months to pay. You have to be disciplined and put it in your calendar when that term expires and *make sure that balance is zeroed out before that date.* Some cards will retroactively charge you interest on all of it so that last point is really important. If something catastrophic like a job loss happens, pay the minimum then transfer to another card. Figure out what kind of payment you can afford and let that be your guide for how much to transfer. You can do it in chunks. Have saved thousands in interest on my government student loans using this method.
@conkodo
8 ай бұрын
Noted pay as much as you can every payment👍
@trueblueclue
9 ай бұрын
This video needs more views
@cjfries6648
10 ай бұрын
Thank you for the amazing video! You most likely saved me thousands of dollars.
@kishajones841
11 ай бұрын
9 years later this is the best video I’ve been able to find on this. The spreadsheet is amazing! Thank you!
@Guccimanegut
11 ай бұрын
2023 and the economy is still 💩😂
@VanquishAudio
Жыл бұрын
I don’t think you guys emphasized just how rapey those interest charges are
@AmritBains28
Жыл бұрын
Real
@tehaumsaood97
Жыл бұрын
Thank you for this video! I pray that you all are doing well and that you are done paying your loans!
@hungduong3202
Жыл бұрын
Hello, the link to the spreadsheet does not work. Are you able to provide a new/updated link? Please and thank you!
@sunrisesunset7
Жыл бұрын
Talk about the floating rate that many student loans have one year 4% 5 years later 11% then next year 8% and on and on based on the "fed"
@mattcase2607
Жыл бұрын
WOW! Sound Effects!!!!
@oomiesays
Жыл бұрын
I moved back in with my mom so I can just be debt free before I move out again This is crazy!
@hiteshwadhwa123
2 жыл бұрын
Lame video… just tell students to focus on reduction of ‘Principal’ amount owed… less principal means less interest… the interest you pay is the income for the bank 👍
@chriserony
2 жыл бұрын
This is an old video but I STILL don't understand how interest works. Is it based on the amount you originally took out? Is it based on the current total? If you pay off half your loan, does that mean the daily interest lower?
@badabingpixtures3675
2 жыл бұрын
Thank you so much for the info and for the spreadsheet -- wow. Thank you!
@walterski8377
2 жыл бұрын
Nice & classy language sailor.... And it is not Me and Ryan, it is Ryan and I..... college?
@kayjene6800
2 жыл бұрын
Come on guys let’s get the scholarship money we can do it!
@celestialconsciousness6082
3 жыл бұрын
Thank you so much for the info!!!!!
@irakozebizoza7840
3 жыл бұрын
pretty much thanks on this video
@d3r3kyasmar
3 жыл бұрын
Thank you very much! This should be taught to students in high school.
@SA-xt1gd
3 жыл бұрын
The spread sheet part is never ever taught in schools.
@MA-rc2eo
3 жыл бұрын
I appreciate your efforts, but it is conditioned on "good employment." I do not know many people that pay what you mentioned on your video, but yes you are right.
@tenzinj3196
3 жыл бұрын
First thing is that taking loan for anthing is stupid. Once you paid off ur student loan, you will go after vehicle loan for sure, cuz taking loan is just stretching ur mindset to be on debt.
@milanfilipovic4460
3 жыл бұрын
When does the interest get added to the principle?
@suchi19
3 жыл бұрын
Thank you so much🙏
@esmeraldamae.556
4 жыл бұрын
Thanks so much for helping me see this more clear. Just started graduate school and I am not looking forward to debt at all. Thank you for sharing the excel sheet it helped a lot.
@stevebrundage2866
4 жыл бұрын
Spread sheet link doesn't work
@Ronfosh
4 жыл бұрын
Does the interest accumulate while you’re in college or after you leave?
@maxtaylor12
4 жыл бұрын
for a subsidized loan, it doesn't accrue until after u graduate. For a UNsubsidized, it starts accruing as soon as you get the money.
@joshuasherden1556
4 жыл бұрын
I really like that spreadsheet! Could you provide a shareable template for it?
@ContrarianView
4 жыл бұрын
I like the video. At the end it was funny when Cathryn said "get houses, don't get into debt". It's good advise but a house a mostly getting into debt to buy the asset lol. It's good debt that builds wealth so I know what she meant, but it was just funny how backwards that sentence was lol.
@KSDOWNSOCAL
4 жыл бұрын
Great video! Unfortunately many young people are still unaware of how this will f them up ! Let’s all educate others about how loans really work.
@EllieofAzeroth
4 жыл бұрын
100% best advice
@sandimarielavati2354
4 жыл бұрын
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@morganechilders
4 жыл бұрын
this was SO HELPFUL!! thank you guys so much!
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4 жыл бұрын
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@chalarenee101
4 жыл бұрын
Great informative video. Thank you!!!What do you guys think about putting the student loan debt on a 0% interest for 12-15 month credit card, and then just paying that off interest free as quick as possible? Does that seem like a good idea or a waste of time?
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4 жыл бұрын
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@mindsmack3650
4 жыл бұрын
My entire time in college I never got a refund and when I would tell ppl that they would laugh and b lik dang how do you not get a refund, and then graduation hit and they saw that interest total
@coreytucker22
4 жыл бұрын
35 banks disliked this video
@sandimarielavati2354
4 жыл бұрын
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@laurenjinete5387
4 жыл бұрын
You guys are incredible for sharing your knowledge in such accessible language. thank YOU!!!
@MsPrettymamii
4 жыл бұрын
You guys are AWESOME!!!! 🤩🤩🤩🤩I just shared this with my son who is in his first year in college. Of course I did sign for his loans so this will definitely be helpful for me as well!! Just one question if I may ask... Would you suggest starting the payments towards the loan prior to graduating? He’s only been attending college 4 mos. now and Navient has already calculated $17k with a $400 unpaid interest 🤦🏽♀️.
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4 жыл бұрын
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@CJGame-N-Play
4 жыл бұрын
I can't make additional payments on my loans. The extra payment goes towards the next months payment. Doesn't change my interest at all.
@salahdinety
4 жыл бұрын
I am trying to pay my rent but it is hard!!
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4 жыл бұрын
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@Winston0Boogie
4 жыл бұрын
Gazelle intensity
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4 жыл бұрын
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@davidbartholomew7081
4 жыл бұрын
This video has not gotten the attention it deserves. I've been leading up to a term paper on student loans and this video summed up everything students need to know. I've already decided to pay the f out of my loan debt when the time comes.
@iArmadillox3
5 жыл бұрын
That’s if student loan interest were to go down with the payment of the principle of loans. The interest however won’t go down☹️
@tpearl109
5 жыл бұрын
This is a great video and would be so helpful for students as well as their parents.
@KISS_MY_CONVERSE
5 жыл бұрын
I agree fuck the world. I mean fuck the shitty economy
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4 жыл бұрын
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@nickcarroll5868
5 жыл бұрын
F school debt go buy a house and get more F in debt
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