First and foremost, congratulations to the class of 2018! You have now entered an exciting period of your life where you can follow your passion out in the “real” world. Now is also the time, however, where you have to start thinking about your career, a place to live permanently, and paying off your student loans. When it comes to your student loans you typically have a grace period of 6 months after graduation until you have to start repaying. You should, however, start making a game plan. Here are some tips to help you get started:

With the holiday season approaching, it is important to start looking for ways to save money. Student loan refinancing may be the right option for you.

By refinancing your student loan you can:

You may be a good candidate for refinancing if:

• You have graduated with a degree
• Your loan balance is $5,000 or more
• Your credit score is at least 660
• You have a steady source of income or a firm job offer

Let's face it, growing up is hard. Who ever thought being an adult brought so many changes so fast. But it isn't all bad right? Like most transitions, there are things to look forward to in adulthood. Here are 8 signs that indicate you're in the middle of a quarter-life crisis.

1. When Friday nights on your calendar are booked as "Netflix".
   
   Late night partying is a thing of the past. The only “parties” you’re familiar with now are the political parties in “House of Cards”. (Bonus points if you actually own and update a calendar).
   
   
   
2. You sip your cocktails, instead of chugging them.
   
   Cocktails are expensive, and you work hard for your money! So yes, you are going to sip that drink and enjoy Every. Last. Drop.
   
   
   
3. A “weekend getaway” no longer means crashing on your buddy’s couch.
   
   Say goodbye to awkward sleeping positions. Though your friend’s couch may be exotic and exciting by some standards, your discoveries there are not as pleasant. No more cheese dust and loose change, you have more exciting adventures waiting!
   
   

A majority of college graduates today struggle with managing life and affording their student loan payments. Yet many fail to consider student loan refinancing as a way to reduce college loan interest, lower their monthly payment or get out of student loan debt sooner. The reason? Belief in four common myths about student loan refinancing.

Ask your son or daughter why they haven’t considered refinancing their college loans. If they respond with one of these myths, you can help set them on the right path: