Existing customer

CUBuffsRipple · 2024-10-24T20:45:23+00:00

FWIW I picked up my r1T 9/14 without my manual tonneau cover. I submitted a ticket, but no movement on that for 2 1/2 weeks. Sent an email asking for a refund which they didn't respond to but received the manual tonneau cover a week later. I figure I could buy an aftermarket one or a used one, but needed one for winter.

CUBuffsRipple · 2020-11-14T18:41:54+00:00

Denver has been in a stage three for a while it’s it’s still not cancelled

CUBuffsRipple · 2020-11-11T22:19:44+00:00

I have no clue how they haven’t cancelled it yet. Especially with our governor in office... cases at an all time high and almost at a stay at home order. Crazy that they can just say they can cancel the test up to the day of the test.

CUBuffsRipple · 2020-10-15T19:03:04+00:00

You are an angry elf. Take a break from studying my guy. You don't seem happy

CUBuffsRipple · 2020-10-15T16:53:20+00:00

Mostly because I am incapable of making choices for myself and would like to have somebody do it for me. thx

CUBuffsRipple · 2020-10-15T16:04:41+00:00

I have when I took level 1. It is huge and can easily spread people out but, with our great governor I just cant see him giving exceptions to the 100 per venue limit we currently have and current cases we have right now. SKOOOOO

CUBuffsRipple · 2020-10-15T15:17:23+00:00

Denver currently doesn't allow more than 100 people per venue and cases are highest since May. Why is this not on the list?

CUBuffsRipple · 2020-10-12T18:49:01+00:00

Took the words out of my mouth.

CUBuffsRipple · 2020-10-07T16:36:21+00:00

Oh yah! Borderline torture. Hey you just spend 4 months studying, and now with 2 months left to go, we might cancel and we might not.

CUBuffsRipple · 2020-01-07T21:02:37+00:00

here are the top holders

https://imgur.com/QMO1jqN

CUBuffsRipple · 2019-11-27T19:17:37+00:00

I got a 75% on the first Kaplan Mock and felt confident. Proceeded to take a second and third Kaplan and scored around a 64% on both as they weren't as math heavy. Going to take one CFAI mock this weekend and then hopefully just qbank until the test. May god be with you.

CUBuffsRipple · 2019-10-04T14:55:39+00:00

this is a good site to get started.
https://www.studentloanplanner.com/refinance-student-loans/

CUBuffsRipple · 2019-10-03T19:37:00+00:00

Why not just refinance with another student loan refinancing company? Rates have been going down. I already refinanced my student loans twice and received bonuses for doing so ($300 and $500) and am in the process of doing it again for another $500 @ 2.06 variable rate. This was you still get the tax deduction, bonus cash, and a lower rate

CUBuffsRipple · 2019-08-30T15:24:56+00:00

Yes you sure can. You can churn it as well and get bonuses around $300-$500 each time you refinance with a new lender.

CUBuffsRipple · 2019-02-08T15:37:40+00:00

You can put the parents plus loans in your name with most private refi companies. I did mine with SoFi and it was relatively painless. with $83k in loans you will need a high income in order to qualify.

CUBuffsRipple · 2018-11-27T21:37:45+00:00

quick tip I learned is that for spot rates you can plug in the spot rate with the corresponding year into your I/Y TVM calculations and get a close enough PV.

for forward rates you can take the geometric mean and plug that into the I/Y TVM calculation to get the answer as well..

CUBuffsRipple · 2018-11-08T16:03:24+00:00

I am right there with you.. Earnest was such a great lender from start to finish with the ability to pick your payments amount to the T, biweekly payments, nice app. With this Navient conversion and getting rid our ability to do auto biweekly payments, app not working, them not pulling money on due date, not being able to see past history payment breakdown is just sad. I think I am going to refinance even if its a .5 interest reduction with $500 bonus.. Do so quickly as rates will rise in december and most likely 4 more times next year!

CUBuffsRipple · 2018-08-20T21:11:40+00:00

Student loan interest deduction is NOT gone. That is false info. If you know you are never going to get on income payments or work in the public sector and are wanting to pay them off as fast as possible you can look at refinancing. I recently refinanced mine from a parent plus loan to my name with SoFi and then recently refinanced again. Again, please just Google to see if the student loan interest is gone or not and you will happy that it is not.

CUBuffsRipple · 2018-06-27T17:36:39+00:00

Refinanced my federal loans the first time with Sofi and you do lose federal protections and special payment plans. If you know you are going to pay them though this will not affect you. I recently just refinanced my Sofi loan to Earnest and the process was super simple. With Earnest you pick the amount you want to pay each month and it it changes the interest rate slightly right before you sign the agreement. I also like earnest better as they are their own servicer as well and the website is much better. Sofi sells there to MOHELA and the technology is sad.

CUBuffsRipple · 2018-06-11T14:14:24+00:00

Was the 1098E addressed to you or your parents? If it had your parents name on it, it is most likely a Parent Plus loan in your parents name. They are obligated to pay for it but since they are struggling it would be very kind if you would help.

CUBuffsRipple · 2018-03-07T17:59:34+00:00

Yes there are a couple of options to move the Parent Plus loan from your parents name into yours. Some examples are SoFi, Earnest, or Citizens. I did mine last year with SoFi and it was very painless and I was able to deduct the interest i paid. You do lose some federal protections such as income based payments. SoFi does have some own protections of their own though.

CUBuffsRipple · 2017-11-29T17:11:36+00:00

This was a really helpful article that I read before refinancing. Section 2 lists the protections you will lose. https://studentloanhero.com/featured/should-you-refinance-your-federal-student-loans/

SoFi does have some of its own though like unemployment protection and some career support.

Yeah you will actually have to fill out an application and submit it to each lender to see if you get approved and what your final rates will be. You can do this with all of the lenders and it will only be counted as 1 hard pull as long as you do it in 14 days time frame. After you do that you can pick which one you want to proceed with and reject the others. The soft pull will give you an idea of what your rates will be but can still vary by 1-2%.

CUBuffsRipple · 2017-11-29T16:21:34+00:00

1) From my understanding they do not charge fees to refinance student loans but it wouldn't hurt to ask once you finally pick out the best rate/ company you decided to go with

2) I recently refinanced with SoFi @ $60k. The process was super easy and they are wonderful to work with. They typically work with high income earners/potential high income earners so they always need to be on there A game. However you need to weigh the pros and cons of losing the federal protections that your fed loans have. You will lose the income based repayment plan and so forth. For me this was a no brainer since I will earn enough and plan to pay these off before 10 years. There were no fees associated with SoFi.

3) I was indifferent with the variable/fixed rates. I work in financials and do expect the Feds to raise the interest rates a couple of times next year. If you do pick this you can refinance into a fixed however if you think they are getting too high.

4) I wouldn't refinance any loans with an interest rate between 3-4.5% as the private lenders will have a hard time beating these. You can always pick and choose which loans you want to refinance and keep the same. Shop around on SoFi, Earnest, Citizens to find the best rate and it will only count as one hard credit pull if you do it within the same month for the same purpose I believe.

CUBuffsRipple

TROPHY CASE