The 2019 Student Loan Resource Page

Welcome to the newly updated 2019 Student Loan Resource Page!

For several years, I’ve been reading and compiling articles from around the web on all things related to student loans. It can be overwhelming, and there’s a reason a small industry has been spawned to help debtors best deal with their student loan balances.

Most of the time, you will be best off doing one of two things: pursuing Public Service Loan Forgiveness while making the lowest monthly payment possible for ten years or refinancing and paying off the loans relatively quickly (within ten years).

However, sometimes a third option may be better. And doing one of the first two options in an optimal way requires a fair amount of learning and doublechecking, dotting of “i”s and crossing of “t”s.

Below, I share a bevy of resources that can help you do the right thing.

If you don’t have the time or interest level to read dozens of blog posts and run multiple simulations via various online calculators, a student loan consult with a professional can save you many hours and possibly tens of thousands of dollars.

I trust Travis Hornsby and his team at Student Loan Planner. Some financial advisors offer similar services as a small part of their practice, and I’ve heard of a lot of bad advice given.

Student loan planning is all Travis does. It started with helping his physician wife manage hers, then her friends, and the business snowballed from there. Check out what Student Loan Planner has to offer.

If you’re ready to go it alone, read on for tons of resources.

 

Jump to:

This is a frequently updated page I’ve created, combing the web for all the best student loan information I can squeeze onto one page and working with refinancers to offer you excellent bonuses.

As an added bonus, if you end up refinancing via my referral links, I’ll make a donation of $50 to your charity of choice. Just be sure to follow up after you’ve refinanced and be sure to collect your cash-back bonus (see below) and ask me to make the donation. More details on that at the end of this page.

 

I have three goals with this page:

 

  • Share some of the best posts I can find on the subject.
  • Save you money on refinancing if  that’s your best option.
  • Advance the site’s charitable mission and help you with yours.

 

I have arrangements with the top student loan refinancers. You may find similar offers on other sites, but I doubt you’ll find another blogger who promises to donate half of his profits from these referrals to charity.

Splash for Doctors

 

With that in mind, I am comfortable sending you away to the farthest reaches of the web to show you some of the best write-ups I can find to help you in this decision-making process.

I do so with the trust that if you choose to refinance your loans, you’ll do so by returning here and using one of the links on this page.

 


As a way of saying thank you, I’ll remind you that if you refinance via one of my links, I’ll donate $50 to a charity of your choice.*

Before closing, please be sure to verify that both you and I receive credit for the referral. If not, you may miss out on the cashback bonus and my bonus donation on your behalf.

 

$500 Cashback Bonus Variable rates 2.05% - 6.49% Fixed rates 3.45% - 6.99%
$300 Cashback Bonus Variable rates 2.14% to 7.944% Fixed rates 3.46% to 7.944%
$550 Cashback Bonus Variable rates 2.48% – 6.25% Fixed rates 3.20% – 6.25%
 
$300 Cashback Bonus Variable rates 2.25%-6.65% Fixed rates 3.50%—7.02%  
   
$350 Cashback Bonus Variable rates 2.39% – 6.01% Fixed rates 3.29% – 6.69%
$750 Cashback Bonus for >$150k loan and $300 <150K loan Variable rates 2.01% - 8.88% Fixed rates 3.49% - 8.36%
$750 Cashback Bonus for >$100K loan and $300 <$100K loan. Variable rates 2.37%-9.72% Fixed rates 3.49%-9.99%
$300 Cashback Bonus Fixed 1.95%-3.70% Must live near a bank branch (in CA, FL, NY, MA, CT, OR)
$500 Cashback Bonus for >$50K loan (Available for first time customers only.) Variable rates 2.43%-7.60% Fixed rates 3.48%-7.02%

The 2019 Student Loan Resource Page

 

Blog Posts & Additional Resources

 

 

Post from Physician on FIRE:

Posts by Student Loan Planner

 

Posts from The White Coat Investor:

 

Posts from Future Proof MD

Posts from Dr. Wise Money

 

Posts by Live Free MD

 

Posts by Investing Doc

 

Posts by Wealthy Doc

 

Posts by Big Law Investor

 

 

Post by Wealthkeel

 

 

Posts by Ben White

Resources from AAMC FIRST Program

 

Posts from Student Loan Hero

 

 

 

Posts from The Simple Dollar

 

$500 Cashback Bonus Variable rates 2.05% - 6.49% Fixed rates 3.45% - 6.99%
$300 Cashback Bonus Variable rates 2.14% to 7.944% Fixed rates 3.46% to 7.944%
$550 Cashback Bonus Variable rates 2.48% – 6.25% Fixed rates 3.20% – 6.25%
 
$300 Cashback Bonus Variable rates 2.25%-6.65% Fixed rates 3.50%—7.02%  
   
$350 Cashback Bonus Variable rates 2.39% – 6.01% Fixed rates 3.29% – 6.69%
$750 Cashback Bonus for >$150k loan and $300 <150K loan Variable rates 2.01% - 8.88% Fixed rates 3.49% - 8.36%
$750 Cashback Bonus for >$100K loan and $300 <$100K loan. Variable rates 2.37%-9.72% Fixed rates 3.49%-9.99%
$300 Cashback Bonus Fixed 1.95%-3.70% Must live near a bank branch (in CA, FL, NY, MA, CT, OR)
$500 Cashback Bonus for >$50K loan (Available for first time customers only.) Variable rates 2.43%-7.60% Fixed rates 3.48%-7.02%

 

Don’t forget to request your donation!


*To qualify for the $50 donation, I need to have proof that you did indeed refinance through one of the links or images found on this site. That is typically supplied by the refinancing entity, but if you’ve additional evidence, please share that info with me via e-mail.

Also, the charity you choose must be a registered 501(c)(3) charity that accepts tax-deductible donations. I’ll be donating anonymously from our donor advised fund and will send you proof of donation in the form of a receipt.

I can’t donate to a GoFundMe or similar fundraiser; it has to be an actual charitable organization in the eyes of the law. Fortunately, there are more than a million to choose from. Please supply me with as much information as possible (from Guidestar search) to fill out the donation form, which looks something like this.

 

 

 

If you’d like advice from a former Vanguard bond trader who has consulted on over 1,000 individual’s and couple’s student loan scenarios, or would like a second opinion, consider a consult from Travis, the Student Loan Planner.

If you owe more than $100,000 in student loans and aren’t 100% sure that you’re doing everything the right way, he finds projected savings of 125 times his consulting fee on average (that one-time fee ranges from $295 to $595). That’s tens of thousands of dollars.

If you’d like a custom plan, book a time at this link if you have more than $300,000 in household student debt and at this link if you owe less. You’ll get a consult form to fill out in your confirmation email. Make sure to mention that you heard about it from Physician on Fire on the consult form (currently question #28).

 

 

If and when you’re ready to pull the trigger and refinance your student loans, I sincerely hope you will return to this page, collect your bonus from these links and let me know where you’d like your donation to go!

 

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