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re: Student loan refi
Posted on 3/16/17 at 10:51 am to Janky
Posted on 3/16/17 at 10:51 am to Janky
If you have good credit and a decent income, I'd look into a personal line of credit or a HELOC. You can find a HELOC for 1.99% most likely but definitely under 3%. You may be able to do a regular line of credit for under 4% I don't know.
Point being, at your age and likely income you probably have some good options outside of just the student loan people as their rates are meant more for people in their 20s with poor credit from college.
Point being, at your age and likely income you probably have some good options outside of just the student loan people as their rates are meant more for people in their 20s with poor credit from college.
1
Posted on 3/16/17 at 10:53 am to Janky
PenFed has apparently gotten into the student loan refi world. Check them out too.
Posted on 3/16/17 at 10:54 am to baldona
Yeah, credit and income are not an issue. However, I want to keep the debt off of me. You know as well as I do women are nuts and I don't want this debt on me if something happens. I plan on having this thing paid off in around two years or sooner.
I think we may go with BRD or sofi and just pay the shite out of it.
I think we may go with BRD or sofi and just pay the shite out of it.
Posted on 3/16/17 at 10:58 am to Janky
I hear you, but you've been married for 13 already and theoretically you assumed that debt upon marriage anyway. If you pay it off in 2 years than interest won't be a huge deal.
I would definitely make her cut some corners until its paid off though, no more girls trips, no new car, etc.
I would definitely make her cut some corners until its paid off though, no more girls trips, no new car, etc.
Posted on 3/16/17 at 11:06 am to baldona
I assumed because it was debt incurred prior to marriage it would be separate property. I guess technically the debt was acquired by the father and the transfer into her name would be after marriage so it may be mine anyway. Interesting.
Penfed looks pretty good too.
Penfed looks pretty good too.
Posted on 3/16/17 at 11:07 am to Janky
quote:
ou know as well as I do women are nuts and I don't want this debt on me if something happens.
Solid marriage, hate to break it so you but that debt is yours too regardless of if you co-sign.
Posted on 3/16/17 at 11:14 am to barry
quote:
hate to break it so you but that debt is yours too regardless of if you co-sign.
Assets and liabilities acquired prior to marriage are separate property, no? As mentioned above this case may be different because of transfers.
BTW, I met a man at a wedding this past weekend that had his wife leave him after over 50 years of marriage.
Posted on 3/16/17 at 11:15 am to Janky
quote:
Out of state tuition.
Out of state tuition for an education degree. Ouch.
Posted on 3/16/17 at 11:16 am to Epic Cajun
quote:
Out of state tuition for an education degree. Ouch.
Posted on 3/16/17 at 5:05 pm to Janky
Does your wife teach in a title 1 school by chance? If so, the student loan forgiveness program would be right up your alley especially if the loan has been kept current
Posted on 3/16/17 at 5:08 pm to Ron Cheramie
Unfortunately not. She teaches private and has only been back teaching forv2 years.
Posted on 3/19/17 at 3:48 pm to Janky
quote:
women are nuts
Damn right they are. I'd be mad as hell at the FIL for withholding that information. Your wife might not know any better but he should.
Posted on 3/19/17 at 4:24 pm to Janky
I assume you got some kind of confirmation that this money was actually used on your wife's education and not to build a boat launch or something, right?
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