Student Loan Refinancing
STUDENT LOAN REFINANCING
Before refinancing your student loans, consider consulting with a student loan expert.
Disclaimer: Please note that some of the links below are affiliate links. This means that I may receive a commission if you purchase through one of my links. I highly recommend all of the products & services because they are companies that I have found to be helpful and trustworthy. I use many of these products & services myself.
FIRST REPUBLIC BANK - $200 BACK TO YOU!
The best fixed rates by FAR are with First Republic Bank. What’s the “catch?” You must live near a physical branch (NYC, Boston, Socal, Norcal and others) and use them as your main checking account. This also becomes a private loan and they are not forgiven at death. If you pay back your loans within 2 years you get most of the interest you paid back!
I refinanced part of my student loans with First Republic and have been very happy with their personal banking service.
Get started by contacting Kerry Berchtold at [email protected] at 339-235-0419. Don’t forget to mention Wealthy Mom MD to get your $200 once you’re approved!
SoFi
Wealthy Mom MD and SoFi have teamed up to help you take down your student loan debt.
Residents & Fellows! You can refinance with SoFi and reduce your payments to $100 a month for up to four years.
Remember, checking your rates will not impact your credit score--SoFi does a soft credit pull during initial application process.
Be sure to check your rate at here to take advantage of this offer.
ELFI - $200 back to you
Education Loan Finance (ELFI), is a division of Tennessee-based SouthEast Bank, designed to assist borrowers with student loan refinancing as well as with undergraduate, graduate and parent private student loans.
ELFI makes financing your future simple by offering easy payment options, affordable rates, and flexible terms in an application process that is transparent and secure. You’ll never go it alone. When you apply, you’ll get a Personal Loan Advisor, an expert ready to walk you through the application process and answer any questions along the way. Wealthy Mom MD Members receive a $200 credit towards payment of any loan.
Lendkey - $200 cash bonus
LendKey is an online student loan marketplace that connects consumers to over 300 credit unions and banks.
You can refinance federal and private student loans, including undergraduate and graduate school debt for 5, 7, 10, 15, and 20 year terms. It's a fast and easy way to shop around for the best refinancing options and you can compare hundreds of lenders in 2 minutes with no impact on your credit score.
Because LendKey originates and services the loan on behalf of their lending partners, you'll work with them until the day your loan is paid off. Offering more than just refinancing, they have a wealth of educational resources so be sure to check out their refinancing guide and student loan calculator.
SPLASH FINANCIAL - $500+ BACK TO YOU!
Splash emphasizes customer service as an essential part of the student loan refinance process and were recently selected as NerdWallet’s 2019 Award Winner in the category of ‘Best Refinancing Lenders: Customer Service’.
They offer fixed and variable rates with terms ranging from 5 to 20 years and allow U.S. citizens and Permanent Residents to refinance their student debt with no cap.
Splash offers residents and fellows the ability to refinance and pay as little as $100 a month during their training while locking in a lower rate.
CREDIBLE
Credible makes it really easy to check what rate(s) you will qualify for. The “Kayak” of student loan refinancing, you’ll get rates to several different companies in one place.
Receive a bonus of $750 when you close a loan through Credible. To receive this $750 welcome bonus, readers must refinance a balance equal to or greater than $100K. If refinancing a balance below $100K, readers are eligible for a $300 welcome bonus. Payment of any Welcome Bonus will occur either via a credit through TangoCard.com sent to the email address provided by Referrer or Referee, as applicable, or by any other means determined by Credible.
COMMONBOND
I’m a big fan of CommonBond with their socially minded company. Every time a loan is refinanced they help fund a child’s education abroad. They offer unemployment protection. Refinance with them and receive $200.
TEXAS RESIDENTS ONLY
$600 back with BRAZOS
Get $600 cash back! Brazos is for Texans with existing student loans looking to refinance and save money. Transparent pricing. Great low rates. Zero fees. To qualify, you must submit and complete a refinance loan application through this link. Once you are approved for the loan and the loan is fully disbursed, as long as you don’t cancel the loan, you will receive a check in the mail at the address listed on your loan application within 8 weeks. Limit one award per individual. BRAZOS RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND/OR REWARDS AT ANY TIME WITHOUT NOTICE.
Student Loan Advice
STUDENT LOAN ADVICE
Disclaimer: Please note that some of the links below are affiliate links. This means that I may receive a commission if you purchase through one of my links. I highly recommend all of the products & services because they are companies that I have found to be helpful and trustworthy. I use many of these products & services myself.
Student Loan Planner
If you’ve got six figures of med school loans, Travis from Student Loan Planner can show you how to eliminate student loans as a source of stress in life and how to save every dollar possible while paying them back.
Whether you’re trying to optimize Public Service Loan Forgiveness, decide if you should refinance, choose the right repayment plan, or figure out your tax filing status, he will listen to your concerns and solve them. Even better, you’ll save dozens of hours studying the student loan system that you can spend doing something more enjoyable.
If you’d like to learn more, check out how you can get student loan help here.
Insurance Agents
INSURANCE AGENTS
Disclaimer: Please note that the following agents were previous sponsors of Wealthy Mom MD. We no longer have a financial relationship.
Physician Financial Services
Lawrence B. Keller, CFP, CLU, ChFC, RHU, LUTCF has been in the insurance and financial services industry since 1990. Unlike medicine, which has a standardized path that physicians must take to gain the education, training and experience requirements necessary to obtain board certification, the insurance and financial services industry does not. Working with an agent that is familiar with the underwriting of both disability and life insurance policies for physicians can all but guarantee a smooth underwriting process in which the desired outcome is likely. He was a speaker for the inaugural White Coat Investor Conference in Park City, Utah in early 2018. While he might not be a doctor’s first phone call regarding their insurance needs, he is often their last.
Pearson Ravitz
Stephanie Pearson, MD, FACOG, brings the experience of a physician into the disability and life insurance market. Injured in the prime of her career, the Board Certified OB/GYN took an unexpected journey to becoming an advocate and advisor for physician insurance. Scott Ravitz, a longtime broker and insurance expert to the medical community, was a natural advisor and behind-the-scenes colleague for Stephanie. Today, the two have officially partnered to offer unique industry insights and expertise with incredible care. Together, Stephanie and Scott advise and advocate for physicians about the importance of protecting life’s most valuable financial assets. The partnership of PearsonRavitz wields the duo’s powerful combined skill set — and has made them sought-after experts on the basics and nuances of disability and life insurance for doctors.
Real Estate
REAL ESTATE
Disclaimer: Please note that some of the links below are affiliate links. This means that I may receive a commission if you purchase through one of my links. I highly recommend all of the products & services because they are companies that I have found to be helpful and trustworthy. I use many of these products & services myself.
eQRP
Did you know that you can invest in real estate (and precious metals or become a hard money lender) inside of a tax protected retirement account? Did you know that your solo-401(k) is NOT ERISA protected? These are the reasons why I opened an eQRP. The eQRP is a customized self-directed retirement plan with higher contribution limits than a traditional individual 401(k) that gives you checkbook control. It also has a Wyoming LLC wrapped around it protecting this account from creditors.
Alpha Investing
What I love about Alpha Investing is that you’ll always talk to a senior partner of the firm. They are a private group of experienced investors with strong relationships with high quality sponsors. Alpha Investing aggregates investments from its members into a syndicate and invests into sponsor projects – allowing members to access exclusive real estate projects at significantly reduced minimum investments.
Finance Tools
PERSONAL FINANCE TOOLS
Disclaimer: Please note that some of the links below are affiliate links. This means that I may receive a commission if you purchase through one of my links. I highly recommend all of the products & services because they are companies that I have found to be helpful and trustworthy. I use many of these products & services myself.
Personal Capital
If you're just getting started on your finances, I highly recommend opening an account with Personal Capital. It's free and is the best way to see all of your investment accounts in one place. They also have a budgeting app built in that rivals Mint. See how your investments are doing against the S&P 500 and play with retirement scenarios. This is how I view and track my investments.
YNAB: You Need a Budget
YNAB is the best tool to create a spending plan. It is the only forward thinking & planning software out there.
LIVELY HSA
Lively is a Health Savings Account (HSA) platform for individuals that is 100% fee-free. It has a simple and intuitive user experience to help you get the most out of your HSA. Lively HSAs works alongside high deductible health plans to make healthcare easier for everyone. And best of all, you'll never have to worry about hidden fees.
LastPass
Tired of remembering passwords? Are you using the same password for all of your websites? (I hope not!) I use LastPass to store all of my passwords and to generate secure passwords. With LastPass Family you can store passwords for the whole family.
You can also designate an emergency contact in case. If you use a personal or virtual assistant you can share passwords via LastPass so you never have to actually share the password. You can revoke access easily as well.
LastPass can also store important files securely. I use this in conjunction with the ICE binder below.
In Case of Emergency Binder
Chelsea of Smart Money Mama’s developed this In Case of Emergency Binder (ICE) for her own family to get organized in the event of, well, an emergency. Emergencies include not only death, but a natural disaster or severe illness.
Credit Parent
Unfortunately freezing your credit may not be enough. Thieves are now targeting your children's credit. It is free to freeze your child’s credit but requires you to do mail all the supporting documents in the mail. Credit Parent makes it easy and saves you the time and hassle in a secure way. We froze Jack’s credit with Credit Parent.
Behind The Scenes
BEHIND THE SCENES
These are the tools I use to run my business.
Disclaimer: Please note that some of the links below are affiliate links. This means that I may receive a commission if you purchase through one of my links. I highly recommend all of the products & services because they are companies that I have found to be helpful and trustworthy. I use many of these products & services myself.
Kajabi
Kajabi is an all-in-one online platform for your online business. You can literally run your whole business on Kajabi - website + hosting, email list, online course and community. We use Kajabi for our email list, landing pages, and to deliver our courses (wink wink). If I was starting my business from scratch I would also run my website on Kajabi as well.
Try Kajabi FREE for 28 days.
Asana
Ready to totally organize your business? FINCON friends turned me onto Asana to organize my business. I’m not sure how I functioned without it! It is the ultimate project manager and brainstorming tool. You can assign tasks to collaborators and you can easily track and see the progress of each task.
LastPass
We use LastPass to share passwords with our team without compromising security. If you use a personal or virtual assistant you can share passwords via LastPass so you never have to actually share the password. You can revoke access easily as well.
Estate Planning
ESTATE PLANNING TOOLS
Disclaimer: Please note that some of the links below are affiliate links. This means that I may receive a commission if you purchase through one of my links. I highly recommend all of the products & services because they are companies that I have found to be helpful and trustworthy. I use many of these products & services myself.
LastPass
Tired of remembering passwords? Are you using the same password for all of your websites? (I hope not!) I use LastPass to store all of my passwords and to generate secure passwords. With LastPass Family you can store passwords for the whole family.
You can also designate an emergency contact in case. If you use a personal or virtual assistant you can share passwords via LastPass so you never have to actually share the password. You can revoke access easily as well.
LastPass can also store important files securely. I use this in conjunction with the ICE binder below.
In Case of Emergency Binder
Chelsea of Smart Money Mama’s developed this In Case of Emergency Binder (ICE) for her own family to get organized in the event of, well, an emergency. Emergencies include not only death, but a natural disaster or severe illness.
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