Debt Payoff Archives | The Ways To Wealth

Debt Payoff

Should You Refinance Your Student Loans? The Ultimate Guide

Should You Refinance Your Student Loans? The Pros, Cons & Best Lenders

In this guide, I want to answer the somewhat complex question asked every day by thousands of Americans: “Should I refinance my student ...

R.J. WeissJuly 2, 2019

Debt Payoff

img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}.has-black-color{color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color:var(--wp--preset--color--white) !important;}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color:var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color:var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important;}div#ez-toc-container p.ez-toc-title{font-size:100%;}div#ez-toc-container p.ez-toc-title{font-weight:500;}div#ez-toc-container ul li{font-size:95%;}.header-1 .header-main,.header-2 .header-main,.header-3 .site-header,.header-4 .navigation-bar,.header-5 .navigation-bar,.header-6 .navigation-bar,.header-7 .header-main,.header-8 .header-main,.header-9 .site-header,.header-10 .navigation-bar,.header-11 .navigation-bar,.header-13 .navigation-bar,.header-14 .header-main,.header-14 .header-bg-main-color,.header-15 .header-main,.header-16 .navigation-bar,.header-17 .navigation-bar,.header-12 .header-main{background:#fff;}.atbs-ceris-block:not(:last-child){margin-bottom:65px;}@media (min-width: 576px){}::selection{color:#fff;background:#a51c30;}.ceris-feature-i .sub-posts .block-heading__view-all a,.atbs-ceris-carousel.atbs-ceris-carousel-post-vertical .owl-prev,.atbs-ceris-carousel.atbs-ceris-carousel-post-vertical .owl-next,.post--overlay-back-face .button__readmore:hover i,.post--vertical-has-media .list-index,.navigation--main .sub-menu li:hover>a,.infinity-single-trigger:before,.ceris-icon-load-infinity-single:before,.atbs-article-reactions .atbs-reactions-content.active .atbs-reaction-count,.atbs-article-reactions .atbs-reactions-content:active .atbs-reaction-count,.post-slider-text-align-center .owl-carousel .owl-prev,.post-slider-text-align-center .owl-carousel .owl-next,.ceris-category-tiles .owl-carousel .owl-prev,.ceris-category-tiles .owl-carousel .owl-next,a.block-heading__secondary,.atbs-ceris-pagination a.btn-default,.atbs-ceris-pagination a.btn-default:active,.atbs-ceris-pagination a.btn-default:hover,.atbs-ceris-pagination a.btn-default:focus,.atbs-ceris-post--grid-c-update .atbs-ceris-carousel.nav-circle .owl-prev,.single .entry-meta .entry-author__name,.pagination-circle .atbs-ceris-pagination__item.atbs-ceris-pagination__item-next:hover,.pagination-circle .atbs-ceris-pagination__item.atbs-ceris-pagination__item-prev:hover,.atbs-ceris-video-has-post-list .main-post .post-type-icon,.widget-subscribe .subscribe-form__fields button,.list-index,a:hover,a:focus,a:active,.color-primary,.site-title,.entry-tags ul > li > a:hover,.social-share-label,.ceris-single .single-header--top .entry-author__name,.atbs-ceris-widget-indexed-posts-b .posts-list > li .post__title:after,.posts-navigation .post:hover .posts-navigation__label,.posts-navigation .post:hover .post__title,.sticky-ceris-post .cerisStickyMark i,.typography-copy blockquote:before,.comment-content blockquote:before,.listing--list-large .post__readmore:hover .readmore__text,.post--horizontal-reverse-big.post--horizontal-reverse-big__style-3 .post__readmore .readmore__text:hover,.reviews-score-average,.star-item.star-full i:before,.wc-block-grid__product-rating .star-rating span:before,.wc-block-grid__product-rating .wc-block-grid__product-rating__stars span:before,.woocommerce-message::before,.woocommerce-info::before,.woocommerce-error::before,.woocommerce-downloads .woocommerce-info:before{color:#a51c30;}.ceris-grid-j .icon-has-animation .btn-play-left-not-center.post-type-icon:after,div.wpforms-container-full .wpforms-form button[type=submit],div.wpforms-container-full .wpforms-form button[type=submit]:hover{background-color:#a51c30;}.ceris-grid-j .btn-play-left-not-center .circle,.scroll-count-percent .btn-bookmark-icon .bookmark-status-saved path{fill:#a51c30;}.infinity-single-trigger:before,.ceris-grid-j .btn-play-left-not-center .g-path path{fill:#fff;}.g-path path{fill:#000;}.circle{fill:#fff;}.atbs-article-reactions .atbs-reactions-content:hover{border-color:rgba(165,28,48,.3);}.post-no-thumb-height-default:hover{box-shadow:0 45px 25px -20px rgba(165,28,48,.27);}.ceris-feature-h .owl-item.active .post--overlay-height-275 .post__thumb--overlay.post__thumb:after{background-color:rgba(165,28,48,.8);}.post-list-no-thumb-3i .list-item:first-child:hover:before,.post-list-no-thumb-3i .list-item:hover:before{background-color:rgba(165,28,48,.4);}.ceris-grid-carousel-d .owl-stage .post--card-overlay-middle-has-hidden-content:hover .post__thumb--overlay.post__thumb:after,.ceris-grid-carousel-d .owl-stage .owl-item.active.center .post--card-overlay-middle-has-hidden-content:hover .post__thumb--overlay.post__thumb:after{-webkit-box-shadow:0px 20px 27px 0 rgba(165,28,48,.2);box-shadow:0px 20px 27px 0 rgba(165,28,48,.2);}@media (min-width:992px){.post--overlay-hover-effect .post__thumb--overlay.post__thumb:after{background-color:#a51c30;}}.atbs-ceris-block__aside-left .banner__button,.ceris-feature-k .atbs-ceris-carousel-nav-custom-holder .owl-prev:hover,.ceris-feature-k .atbs-ceris-carousel-nav-custom-holder .owl-next:hover,.ceris-feature-k .atbs-ceris-block__inner::before,.ceris-feature-i .atbs-ceris-carousel-nav-custom-holder .owl-prev:hover,.ceris-feature-i .atbs-ceris-carousel-nav-custom-holder .owl-next:hover,.ceris-feature-j .sub-posts .atbs-ceris-carousel-nav-custom-holder .owl-prev:hover,.ceris-feature-j .sub-posts .atbs-ceris-carousel-nav-custom-holder .owl-next:hover,.ceris-feature-h .owl-item.active + .owl-item.active .post--overlay-height-275 .post__cat-has-line:before,.atbs-ceris-carousel.atbs-ceris-carousel-post-vertical .owl-prev:hover,.atbs-ceris-carousel.atbs-ceris-carousel-post-vertical .owl-next:hover,.ceris-feature-f .button__readmore--round:hover i,.post--overlay-hover-effect .post__text-backface .post__readmore .button__readmore:hover,.post--overlay-hover-effect.post--overlay-bottom,.post--overlay-back-face,.pagination-circle .atbs-ceris-pagination__item:not(.atbs-ceris-pagination__dots):hover,.open-sub-col,.atbs-ceris-posts-feature-a-update .atbs-ceris-carousel.nav-circle .owl-prev:hover,.atbs-ceris-posts-feature-a-update .atbs-ceris-carousel.nav-circle .owl-next:hover,.owl-carousel.button--dots-center-nav .owl-prev:hover,.owl-carousel.button--dots-center-nav .owl-next:hover,.section-has-subscribe-no-border > .btn:focus,.section-has-subscribe-no-border > .btn:active,.section-has-subscribe-no-border > *:hover,.widget-slide .atbs-ceris-carousel .owl-dot.active span,.featured-slider-e .owl-carousel .owl-prev:hover,.featured-slider-e .owl-carousel .owl-next:hover,.post--horizontal-hasbackground.post:hover,.post-slider-text-align-center .owl-carousel .owl-prev:hover,.post-slider-text-align-center .owl-carousel .owl-next:hover,.atbs-ceris-pagination [class*='js-ajax-load-']:active,.atbs-ceris-pagination [class*='js-ajax-load-']:hover,.atbs-ceris-pagination [class*='js-ajax-load-']:focus,.atbs-ceris-widget-indexed-posts-a .posts-list>li .post__thumb:after,.post-list-no-thumb-3i:hover .list-item:first-child .post__cat:before,.header-17 .btn-subscribe-theme,.header-13 .btn-subscribe-theme,.header-16 .offcanvas-menu-toggle.navigation-bar-btn,.atbs-ceris-widget-posts-list.atbs-ceris-widget-posts-list-overlay-first ul:hover li.active .post--overlay .post__cat:before,.dots-circle .owl-dot.active span,.atbs-ceris-search-full .popular-tags .entry-tags ul > li > a,.atbs-ceris-post--grid-g-update .post-grid-carousel .owl-dot.active span,.nav-row-circle .owl-prev:hover,.nav-row-circle .owl-next:hover,.post--grid--2i_row .post-no-thumb-title-line,.atbs-ceris-post--grid-d-update .post-no-thumb-title-line,.atbs-ceris-posts-feature .post-sub .list-item:hover .post__cat:before,.atbs-ceris-post--grid-c-update .post-main .owl-item.active + .owl-item.active .post__cat:before,.atbs-ceris-post--grid-c-update .atbs-ceris-carousel.nav-circle .owl-next,.atbs-ceris-post--grid-c-update .post-main .owl-item.active .post-no-thumb-title-line,.post-no-thumb-height-default:hover,.carousel-dots-count-number .owl-dot.active span,.header-16 .btn-subscribe-theme,.header-14 .btn-subscribe-theme,.header-11 .btn-subscribe-theme,.atbs-ceris-pagination [class*='js-ajax-load-'],.atbs-ceris-post--overlay-first-big .post--overlay:hover .background-img:after,.post-list-no-thumb-3i .list-item:hover,.post__cat-has-line:before,.cat-0.cat-theme-bg.cat-theme-bg,.primary-bg-color,.navigation--main > li > a:before,.atbs-ceris-pagination__item-current:hover,.atbs-ceris-pagination__item-current:focus,.atbs-ceris-pagination__item-current:active,.atbs-ceris-pagination--next-n-prev .atbs-ceris-pagination__links a:last-child .atbs-ceris-pagination__item,.subscribe-form__fields input[type='submit'],.has-overlap-bg:before,.entry-cat--bg,a.entry-cat--bg,.comments-count-box,.atbs-ceris-widget--box .widget__title,.widget_calendar td a:before,.widget_calendar #today,.widget_calendar #today a,.entry-action-btn,.posts-navigation__label:before,.comment-form .form-submit input[type='submit'],.atbs-ceris-carousel-dots-b .swiper-pagination-bullet-active,.site-header--side-logo .header-logo:not(.header-logo--mobile),.list-square-bullet > li > *:before,.list-square-bullet-exclude-first > li:not(:first-child) > *:before,.btn-primary:active,.btn-primary:focus,.btn-primary:hover,.btn-primary.active.focus,.btn-primary.active:focus,.btn-primary.active:hover,.btn-primary:active.focus,.btn-primary:active:focus,.btn-primary:active:hover,.header-10 .navigation--main > li > a:before,.atbs-ceris-feature-slider .post__readmore,.atbs-ceris-grid-carousel .atbs-ceris-carousel .owl-dot:last-child.active span,.atbs-ceris-grid-carousel .atbs-ceris-carousel .owl-dot.active span,.atbs-ceris-post-slide-has-list .atbs-ceris-post-slide-text-center .atbs-ceris-carousel .owl-dot.active span,.pagination-circle .atbs-ceris-pagination__item:hover,.social-share-label:before,.social-share ul li a svg:hover,.comment-form .form-submit input[type='submit'],input[type='button']:not(.btn),input[type='reset']:not(.btn),input[type='submit']:not(.btn),.form-submit input,.comment-form .form-submit input[type='submit']:active,.comment-form .form-submit input[type='submit']:focus,.comment-form .form-submit input[type='submit']:hover,.reviews-rating .rating-form .rating-submit,.reviews-rating .rating-form .rating-submit:hover,.ceris-bookmark-page-notification,.rating-star,.score-item .score-percent,.ceris-grid-w .post-slide .owl-carousel,.widget-subscribe .widget-subscribe__inner,.ceris-grid-carousel-d .owl-stage .post--card-overlay-middle-has-hidden-content:hover .post__thumb--overlay.post__thumb:after,.ceris-grid-carousel-d .owl-stage .owl-item.active.center .post--card-overlay-middle-has-hidden-content:hover .post__thumb--overlay.post__thumb:after,.post--vertical-thumb-70-background .button__readmore--outline:hover i,.atbs-ceris-search-full--result .atbs-ceris-pagination .btn,.atbs-ceris-posts-feature-c-update.ceris-light-mode .owl-carousel .owl-prev:hover,.atbs-ceris-posts-feature-c-update.ceris-light-mode .owl-carousel .owl-next:hover,.editor-styles-wrapper .wc-block-grid__products .wc-block-grid__product .wc-block-grid__product-onsale,.wc-block-grid__product-onsale,.woocommerce .wc-block-grid__product .wp-block-button__link:hover,.woocommerce ul.products li.product .onsale,.woocommerce .editor-styles-wrapper .wc-block-grid__products .wc-block-grid__product .wc-block-grid__product-onsale,.woocommerce .wc-block-grid__product-onsale,.woocommerce #respond input#submit,.woocommerce #respond input#submit:hover,.woocommerce a.button:hover,.woocommerce button.button:hover,.woocommerce input.button:hover,.woocommerce .wp-block-button__link,.woocommerce .wp-block-button:not(.wc-block-grid__product-add-to-cart) .wp-block-button__link,.woocommerce nav.woocommerce-pagination ul li a:focus,.woocommerce nav.woocommerce-pagination ul li a:hover,.woocommerce nav.woocommerce-pagination ul li span.current,.woocommerce div.product form.cart .button,.woocommerce div.product .woocommerce-tabs ul.tabs li.active,.woocommerce-Tabs-panel .comment-reply-title:before,.woocommerce button.button,.woocommerce a.button.wc-backward,.woocommerce a.button.alt,.woocommerce a.button.alt:hover,.woocommerce-message a.button,.woocommerce-downloads .woocommerce-Message a.button,.woocommerce button.button.alt,.woocommerce button.button.alt:hover,.woocommerce.widget_product_search .woocommerce-product-search button,.woocommerce .widget_price_filter .ui-slider .ui-slider-range,.woocommerce .widget_price_filter .ui-slider .ui-slider-handle,.header-current-reading-article .current-reading-article-label,#cookie-notice .cn-button,.atbs-ceris-widget-posts-list.atbs-ceris-widget-posts-list-overlay-first .posts-list:hover li.active .post__cat:before,.ceris-mobile-share-socials ul li:hover a,.ceris-admin-delete-review{background-color:#a51c30;}.site-header--skin-4 .navigation--main > li > a:before{background-color:#a51c30 !important;}.post-score-hexagon .hexagon-svg g path{fill:#a51c30;}.ceris-feature-k .atbs-ceris-carousel-nav-custom-holder .owl-prev:hover,.ceris-feature-k .atbs-ceris-carousel-nav-custom-holder .owl-next:hover,.ceris-feature-i .atbs-ceris-carousel-nav-custom-holder .owl-prev:hover,.ceris-feature-i .atbs-ceris-carousel-nav-custom-holder .owl-next:hover,.ceris-feature-j .sub-posts .atbs-ceris-carousel-nav-custom-holder .owl-prev:hover,.ceris-feature-j .sub-posts .atbs-ceris-carousel-nav-custom-holder .owl-next:hover,.post--overlay-line-top-hover:hover::after,.ceris-feature-f .button__readmore--round:hover i,.post--overlay-hover-effect .post__text-backface .post__readmore .button__readmore:hover,.ceris-about-module .about__content,.atbs-ceris-posts-feature-a-update .atbs-ceris-carousel.nav-circle .owl-prev:hover,.atbs-ceris-posts-feature-a-update .atbs-ceris-carousel.nav-circle .owl-next:hover,.owl-carousel.button--dots-center-nav .owl-prev:hover,.owl-carousel.button--dots-center-nav .owl-next:hover,.atbs-article-reactions .atbs-reactions-content.active,.atbs-ceris-pagination [class*='js-ajax-load-']:active,.atbs-ceris-pagination [class*='js-ajax-load-']:hover,.atbs-ceris-pagination [class*='js-ajax-load-']:focus,.atbs-ceris-search-full--result .atbs-ceris-pagination .btn,.atbs-ceris-pagination [class*='js-ajax-load-'],.comment-form .form-submit input[type='submit'],.form-submit input:hover,.comment-form .form-submit input[type='submit']:active,.comment-form .form-submit input[type='submit']:focus,.comment-form .form-submit input[type='submit']:hover,.has-overlap-frame:before,.atbs-ceris-gallery-slider .fotorama__thumb-border,.bypostauthor > .comment-body .comment-author > img,.post--vertical-thumb-70-background .button__readmore--outline:hover i,.block-heading.block-heading--style-7,.atbs-ceris-posts-feature-c-update.ceris-light-mode .owl-carousel .owl-prev:hover,.atbs-ceris-posts-feature-c-update.ceris-light-mode .owl-carousel .owl-next:hover,.ceris-mobile-share-socials ul li:hover a,.wc-block-grid__product .wp-block-button__link:hover,.woocommerce #respond input#submit:hover,.woocommerce a.button:hover,.woocommerce button.button:hover,.woocommerce input.button:hover{border-color:#a51c30;}.atbs-ceris-pagination--next-n-prev .atbs-ceris-pagination__links a:last-child .atbs-ceris-pagination__item:after,.typography-copy blockquote,.comment-content blockquote{border-left-color:#a51c30;}.comments-count-box:before,.bk-preload-wrapper:after,.woocommerce-error,.woocommerce-message,.woocommerce-info{border-top-color:#a51c30;}.bk-preload-wrapper:after{border-bottom-color:#a51c30;}.navigation--offcanvas li > a:after{border-right-color:#a51c30;}.post--single-cover-gradient .single-header{background-image:-webkit-linear-gradient(bottom,#a51c30 0%,rgba(252,60,45,.7) 50%,rgba(252,60,45,0) 100%);background-image:linear-gradient(to top,#a51c30 0%,rgba(252,60,45,.7) 50%,rgba(252,60,45,0) 100%);}.ceris-feature-k .atbs-ceris-block__inner::before{box-shadow:-210px 0 1px #a51c30,-180px 0 1px #a51c30,-150px 0 1px #a51c30,-120px 0 1px #a51c30,-90px 0 1px #a51c30,-60px 0 1px #a51c30,-30px 0 1px #a51c30,30px 0 1px #a51c30,60px 0 1px #a51c30,-210px 30px 1px #a51c30,-180px 30px 1px #a51c30,-150px 30px 1px #a51c30,-120px 30px 1px #a51c30,-90px 30px 1px #a51c30,-60px 30px 1px #a51c30,-30px 30px 1px #a51c30,0 30px 1px #a51c30,30px 30px 1px #a51c30,60px 30px 1px #a51c30,-210px 60px 1px #a51c30,-180px 60px 1px #a51c30,-150px 60px 1px #a51c30,-120px 60px 1px #a51c30,-90px 60px 1px #a51c30,-60px 60px 1px #a51c30,-30px 60px 1px #a51c30,0 60px 1px #a51c30,30px 60px 1px #a51c30,60px 60px 1px #a51c30,-210px 90px 1px #a51c30,-180px 90px 1px #a51c30,-150px 90px 1px #a51c30,-120px 90px 1px #a51c30,-90px 90px 1px #a51c30,-60px 90px 1px #a51c30,-30px 90px 1px #a51c30,0 90px 1px #a51c30,30px 90px 1px #a51c30,60px 90px 1px #a51c30,-210px 120px 1px #a51c30,-180px 120px 1px #a51c30,-150px 120px 1px #a51c30,-120px 120px 1px #a51c30,-90px 120px 1px #a51c30,-60px 120px 1px #a51c30,-30px 120px 1px #a51c30,0 120px 1px #a51c30,30px 120px 1px #a51c30,60px 120px 1px #a51c30,-210px 150px 1px #a51c30,-180px 150px 1px #a51c30,-150px 150px 1px #a51c30,-120px 150px 1px #a51c30,-90px 150px 1px #a51c30,-60px 150px 1px #a51c30,-30px 150px 1px #a51c30,0 150px 1px #a51c30,30px 150px 1px #a51c30,60px 150px 1px #a51c30,-210px 180px 1px #a51c30,-180px 180px 1px #a51c30,-150px 180px 1px #a51c30,-120px 180px 1px #a51c30,-90px 180px 1px #a51c30,-60px 180px 1px #a51c30,-30px 180px 1px #a51c30,0 180px 1px #a51c30,30px 180px 1px #a51c30,60px 180px 1px #a51c30,-210px 210px 1px #a51c30,-180px 210px 1px #a51c30,-150px 210px 1px #a51c30,-120px 210px 1px #a51c30,-90px 210px 1px #a51c30,-60px 210px 1px #a51c30,-30px 210px 1px #a51c30,0 210px 1px #a51c30,30px 210px 1px #a51c30,60px 210px 1px #a51c30,-210px 240px 1px #a51c30,-180px 240px 1px #a51c30,-150px 240px 1px #a51c30,-120px 240px 1px #a51c30,-90px 240px 1px #a51c30,-60px 240px 1px #a51c30,-30px 240px 1px #a51c30,0 240px 1px #a51c30,30px 240px 1px #a51c30,60px 240px 1px #a51c30,-210px 270px 1px #a51c30,-180px 270px 1px #a51c30,-150px 270px 1px #a51c30,-120px 270px 1px #a51c30,-90px 270px 1px #a51c30,-60px 270px 1px #a51c30,-30px 270px 1px #a51c30,0 270px 1px #a51c30,30px 270px 1px #a51c30,60px 270px 1px #a51c30;}atbs-ceris-video-box__playlist .is-playing .post__thumb:after{content:"Now playing";}p.redinfo{border:1px solid #ececec;background-color:#f5f5f5;padding:2%;border-left:5px solid #a51c30;font-size:100%;font-style:normal;font-weight:400;vertical-align:middle;line-height:1.9em;margin:20px 0 20px 0;white-space:pre-wrap;overflow-wrap:break-word;}@media only screen and (min-width: 992px){.atbs-ceris-main-col + .sidebar{min-width:330px;}}span.post-view-counter{display:none;}a.view-count{display:none !important;}p.redinfo{border:1px solid #ececec;background-color:#f5f5f5;padding:2%;border-left:5px solid #a51c30;font-size:100%;font-style:normal;font-weight:400;vertical-align:middle;line-height:1.9em;margin:20px 0 20px 0;white-space:pre-wrap;}p.blueinfo{border:1px solid #ececec;background-color:#f5f5f5;padding:2%;border-left:5px solid #293352;font-size:100%;font-style:normal;font-weight:400;vertical-align:middle;line-height:1.9em;margin:20px 0 20px 0;overflow-wrap:break-word;word-wrap:break-word;}.promotion-box{margin-top:15px;margin-bottom:40px;}.promotion-box .has-background{border-radius:5px;box-shadow:3px 5px 10px #ccc;}.promotion-box .has-background .wp-block-group__inner-container{padding:20px 30px;}.promotion-box h2{margin-bottom:20px;}.long-list li{margin-bottom:.3px;}.long-list li:last-child{margin-bottom:15px;}.long-list li:first-child{padding-top:0px;}p.long-list-header{font-size:20px;margin-bottom:.4em;}a:hover{cursor:pointer;color:#293352;text-decoration:underline;}a:focus,a:active{color:#293352;}h1{text-transform:capitalize;}.typography-copy h2{margin-top:.95em;}.typography-copy h3{margin-top:.95em;}.typography-copy h4{margin-top:.95em;}.typography-copy h5{margin-top:.95em;}.mb0{margin-bottom:0 !important;}.mb5{margin-bottom:5px !important;}.custom54750 p:first-of-type{}.authorC{display:grid;grid-template-columns:auto auto;grid-gap:10px;align-items:center;}.authorC .author_imgC{height:55px;width:55px;overflow:hidden;border-radius:50%;border:1px solid #929496;}.authorC ul{margin:0;padding:0;}.authorC ul li{list-style:none;color:#929292 !important;font-size:13px;}.authorC ul li a{font-weight:normal !important;color:rgba(0,0,0,.4) !important;font-size:13px;}.author_socialC ul{margin:0;padding:0;}.author_socialC ul li{list-style:none;display:inline-block;}.author_socialC ul li a{height:40px;line-height:40px;width:40px;color:#000 !important;vertical-align:middle;text-align:center;font-size:15px;margin:0 6px;font-weight:600 !important;}.author_socialC ul li a i{font-size:17px;font-weight:600 !important;}.authorC p{color:#000 !important;font-size:15px;font-weight:600 !important;margin-bottom:0;}.authorC a{color:#000 !important;font-size:15px;font-weight:600 !important;margin-bottom:0;}.css5465871265{margin:18px 0 25px 0px;}.pl0{padding-left:0 !important;}.author_img_wrapC img{width:100% !important;height:unset !important;border-radius:0 !important;}.aB-01{display:inline-block;vertical-align:middle;margin-right:14px;border-right:2px solid rgba(0,0,0,.09);padding-right:22px;}.aB-02{display:inline-block;}.custom90445{color:#484848 !important;font-size:15px;display:block;padding:10px 15px;line-height:1.5;}.custom90445 a{color:#242424 !important;text-decoration:underline;}.custom90445 a:hover{color:#a51c30 !important;text-decoration:underline;}.single-header--body-wrap .media-body .disclaimer{display:none;}.pdl0{padding-left:0 !important;}.twcolor{color:#1da1f2 !important;}.lnkcolor{color:#0e76a8 !important;}.mb20{margin-bottom:25px !important;}.custom57181{background-color:#f7f7f7;}.custom57181 img{width:100%;}.instcolor{background:-webkit-radial-gradient(33% 100% circle,#fed373 4%,#f15245 30%,#d92e7f 62%,#9b36b7 85%,#515ecf);background:radial-gradient(circle at 33% 100%,#fed373 4%,#f15245 30%,#d92e7f 62%,#9b36b7 85%,#515ecf);-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.fbcolor{color:#3b5998 !important;}.media6055{text-align:center;display:block;margin:0 auto;}.media6055 .atbs-ceris-review__product-image{width:100%;}.media6055 .atbs-ceris-review__product-image img{width:240px;}.ccboxdesc{line-height:initial;margin-top:15px !important;text-align:center;}@media screen and (min-width: 992px){.ccboxdesc{width:80%;margin:0 auto;}}.post-score-circle-custom{background:#a51c30;color:#fff;border:5px solid #fff;box-shadow:0px 0px 13px 8px rgba(0,0,0,20%);border-radius:50%;width:120px;height:120px;vertical-align:middle;line-height:120px;}.post-score-circle-custom .post-score-value{font-size:30px;font-weight:700;line-height:1;text-shadow:0 0 10px rgba(0,0,0,.08);}.customRV_button{background-color:#a51c30;color:#fff !important;padding:10px 30px;text-decoration:none !important;border-radius:3px;border:3px solid #fff;box-shadow:0px 0px 13px 2px rgba(0,0,0,20%);font-size:20px;margin:15px 0 !important;display:inline-block;}.customRV_button_container{text-align:center;margin-top:30px;}.customRV_button:hover{text-decoration:none !important;background:#840f20;box-shadow:0px 0px 13px 6px rgba(0,0,0,20%);}.atbs-ceris-review__inner{border-radius:4px;box-shadow:0px 0px 4px 0px rgba(0,0,0,12%);}.atbs-ceris-review__overall-score{margin-top:0;position:absolute;right:0;bottom:0;}.atbs-ceris-review__top{text-align:center !important;display:block !important;position:relative !important;}.icongroup6560{margin-top:15px;color:#a51e30;font-size:24px;text-shadow:0px 1px 10px rgba(0,0,0,.13);}.icongroup6560 i{margin:1.4px;}.atbs-ceris-block__inner .avatar.wp-avatar,.post__meta .avatar.wp-avatar,.related-posts .avatar.wp-avatar{margin-right:12px;border-radius:100%;height:34px;width:34px;}.sticky-header .ceris-article-wpm--wrap{display:none !important;}.single-body--content .author-box{max-width:unset !important;}.ctagCSS{color:rgba(0,0,0,.6);font-size:14px;margin-right:10px;font-weight:600;}.tagBtnNew li{background-color:#a51c30;font-weight:400 !important;color:#fff !important;padding:4px 8px;margin:0 4px !important;display:inline-block !important;border-radius:5px;}.tagBtnNew li a{color:#fff !important;}.overlay-item.post-type-icon--inverse{display:none !important;}.entry-teaser{color:rgba(0,0,0,62%) !important;}body .sticky-header.is-fixed .scroll-count-percent.active,.scroll-count-percent.active{display:none !important;}.long-list li{margin-bottom:.3px !important;margin-top:6px !important;}.long-list li:last-child{margin-bottom:15px !important;}.long-list li:first-child{padding-top:0px !important;}p.long-list-header{font-size:20px !important;margin-bottom:.4em !important;}.twitter-theme,.twitter-theme-hover:hover{color:#55acee !important;}.twitter-theme-bg,.twitter-theme-bg-hover:hover{background-color:#55acee !important;}p.logged-in-as{display:none;}.tagBtnNewz li{margin:0 !important;}.tagBtnNewz li a{padding-left:5px !important;}.tablebutton{border-radius:12px;background-color:#293352;border:none;color:#fff;text-align:center;font-size:28px;padding:20px;width:80%;transition:all .5s;cursor:pointer;margin:5px;}.tablebutton span{cursor:pointer;display:inline-block;position:relative;transition:.5s;}.tablebutton span:after{content:"»";position:absolute;opacity:0;top:0;right:-20px;transition:.5s;}.tablebutton:hover span{padding-right:25px;}.tablebutton:hover span:after{opacity:1;right:0;}table.roundedcorners{border:3px solid #293352;border-radius:25px;border-spacing:0;}table.roundedcorners td,table.roundedcorners th{border-bottom:1px solid #293352;padding:10px;}table.roundedcorners tr:last-child > td{border-bottom:none;}.home .site-content{padding-top:0;padding-bottom:0;}.bg-decoration{position:absolute;top:0;left:0;pointer-events:none;width:100%;height:100%;overflow:hidden;}.bg-decoration__svg{position:absolute;top:0;left:50%;transform:translateX(-50%);width:134%;min-width:1280px;max-width:1920px;height:auto;color:var(--color-primary);opacity:40%;}.site-content .section__category{margin-bottom:0;padding-top:50px;padding-bottom:50px;background:var(--bg-grey);}.category__heading{text-align:center;margin-bottom:30px;}.category__nav{position:relative;z-index:1;}.category__nav ul{list-style:none;display:grid;grid-template-columns:repeat(2,1fr);grid-gap:15px;}.category__nav a{border-radius:8px;height:150px;background:#fff;text-align:center;box-shadow:0 .9px 1.5px rgba(0,0,0,.03),0 3.1px 5.5px rgba(0,0,0,.08),0 14px 25px rgba(0,0,0,.12);display:flex;flex-direction:column;justify-content:center;padding:0 20px;color:#222;text-decoration:none;}.category__nav a:hover{background:var(--color-primary);color:#fff;}.category__nav a:hover svg,.category__nav a:hover svg *{stroke:#fff;}.category__nav svg{width:4em;height:4em;margin:0 auto 10px;}.category__nav svg,.category__nav span{display:block;}.section__mission{background:var(--color-secondary);color:#fff;text-align:center;}.section__mission h2{text-transform:none;}.section__mission .container{padding-top:60px;padding-bottom:60px;}.section__mission .grid div:first-child h2{margin-bottom:60px;}.section__mission .grid div:last-child h2{margin-bottom:30px;}.section__mission .grid div:last-child img{margin-bottom:20px;}.section__mission p{font-size:18px;}.section__mission svg{width:90px;height:90px;margin-bottom:10px;}.section__mission .mission-list{list-style:none;margin-bottom:20px;text-align:center;}.section__mission .mission-list li{margin-bottom:40px;}.section__mission .grid div:first-child{margin-bottom:60px;}.section__mission img{border-radius:50%;border:3px solid #fff;}.section__as-featured-in{margin-bottom:60px !important;}.section__as-featured-in ul{list-style:none;display:grid;grid-template-columns:repeat(8,1fr);justify-content:center;align-items:center;text-align:center;grid-gap:15px;}.section__as-featured-in img{max-width:120px;}.section__mission .btn{font-weight:700;text-transform:uppercase;display:block;}.section__featured-articles{background:var(--bg-grey);padding-top:65px;}.category-intro-container{position:relative;}.category-intro h1{font-size:40px;text-transform:uppercase;font-weight:700;margin-bottom:30px;}.category-intro p{font-size:20px;}.category-intro__icon{background:linear-gradient(90deg,rgba(255,255,255,1) 35%,rgba(253,245,236,1) 100%);text-align:right;padding:50px 50px 100px;margin-top:-100px;}.category-intro__icon img{width:75%;}.category-intro__divider{background:url("https://cdn-alkia.nitrocdn.com/pYhxgXnSfZKoVDcmKIiZcCHPcRVbhqvl/assets/static/optimized/rev-e16b91b/wp-content/uploads/2021/05/separator.png") no-repeat;background-size:100%;height:100px;margin-top:-45px;position:relative;z-index:1;}.category-intro__divider.nitro-lazy{background-image:none !important;}.pt-30{padding-top:30px;}.wrapper h4{font-weight:600;}.more-button{text-transform:uppercase;background-color:#fff;border:1px solid;}.page-404-image{margin-bottom:0px !important;}.page-404-search{margin-bottom:30px !important;margin-top:30px !important;}.error404 .site-content{padding-top:20px;}.single-header{margin-bottom:10px;}#om-mfg1yuniweuv5ygig5xq-holder{box-shadow:0 .9px 1.5px rgba(0,0,0,.03),0 3.1px 5.5px rgba(0,0,0,.08),0 14px 25px rgba(0,0,0,.12);border-radius:8px;padding:35px 30px 20px;background:#fff;}#om-mfg1yuniweuv5ygig5xq-holder .boise-error{grid-column:1/3;}.atbs-ceris-responsive-video{margin-bottom:0;}@media (min-width: 480px){.category__nav ul{grid-template-columns:repeat(3,1fr);}.category__heading{margin-bottom:60px;}}@media (min-width: 768px){#om-mfg1yuniweuv5ygig5xq-holder .boise-FieldsElement--content{display:grid !important;grid-template-columns:auto 300px;grid-gap:15px;}.section__meet-our-founder .grid{display:grid;grid-template-columns:1fr 3fr;align-items:center;grid-gap:40px;font-size:24px;}}@media (min-width: 800px){.category__nav ul{grid-template-columns:repeat(4,1fr);}.section__mission{text-align:left;}.section__mission .container{padding-top:80px;padding-bottom:30px;}.section__mission .grid{display:grid;grid-template-columns:1fr 220px;grid-gap:60px;}.section__mission .mission-list{display:grid;grid-template-columns:1fr 1fr 1fr;grid-gap:40px;}.section__mission .mission-list li{margin-bottom:0;}.section__mission .grid div:first-child{border-right:2px solid #fff;padding-right:60px;}.section__mission h2{font-size:28px;}.category-intro{display:grid;grid-template-columns:1fr 1fr;}}.mt-0{margin-top:0 !important;}.mb-10{margin-bottom:10px;}.comment-reply-title,.comments-title,.comment-reply-title,.post-categories__title,.entry-title,h1,h5,h6,.h1,.h2,.h3,.h4,.h5,.h6,.text-font-primary,.social-tile__title,.widget_recent_comments .recentcomments > a,.widget_recent_entries li > a,.modal-title.modal-title,.author-box .author-name a,.comment-author,.widget_calendar caption,.widget_categories li>a,.widget_meta ul,.widget_recent_comments .recentcomments>a,.widget_recent_entries li>a,.widget_pages li>a,.ceris-reviews-section .heading-title,.score-item .score-name,.score-item .score-number,.reviews-score-average,.btn-open-form-rating,.btn-open-form-rating label,.scroll-count-percent .btn-bookmark-icon,.open-sub-col,.ceris-about-module .about__title,.post--overlay-hover-effect .post__text-backface .post__title,.atbs-ceris-mega-menu .post__title,.atbs-ceris-mega-menu .post__title a,.widget__title-text{font-family:Poppins,Arial,Helvetica,sans-serif;}.text-font-secondary,.block-heading__subtitle,.widget_nav_menu ul,.typography-copy blockquote,.comment-content blockquote{font-family:Poppins,Arial,Helvetica,sans-serif;}.menu,.meta-text,a.meta-text,.meta-font,a.meta-font,.text-font-tertiary,.block-heading-tabs,.block-heading-tabs > li > a,input[type="button"]:not(.btn),input[type="reset"]:not(.btn),input[type="submit"]:not(.btn),label,.page-nav,.post-score,.post-score-hexagon .post-score-value,.entry-cat,a.entry-cat,.read-more-link,.entry-meta,.comments-count-box,.atbs-ceris-widget-indexed-posts-a .posts-list > li .post__thumb:after,.atbs-ceris-widget-indexed-posts-b .posts-list > li .post__title:after,.atbs-ceris-widget-indexed-posts-c .list-index,.social-tile__count,.widget_recent_comments .comment-author-link,.atbs-ceris-video-box__playlist .is-playing .post__thumb:after,.atbs-ceris-posts-listing-a .cat-title,.atbs-ceris-news-ticker__heading,.post-sharing__title,.post-sharing--simple .sharing-btn,.entry-action-btn,.entry-tags-title,.comments-title__text,.comments-title .add-comment,.comment-metadata,.comment-metadata a,.comment-reply-link,.countdown__digit,.modal-title,.comment-meta,.comment .reply,.wp-caption,.gallery-caption,.widget-title,.logged-in-as,.countdown__digit,.atbs-ceris-widget-indexed-posts-a .posts-list>li .post__thumb:after,.atbs-ceris-widget-indexed-posts-b .posts-list>li .post__title:after,.atbs-ceris-widget-indexed-posts-c .list-index,.atbs-ceris-horizontal-list .index,.atbs-ceris-pagination--next-n-prev .atbs-ceris-pagination__label,.post__readmore,.single-header .atbs-date-style,a.ceris-btn-view-review,.bookmark-see-more,.post-author-vertical span.entry-lable,.post-author-vertical .entry-author__name,.post--overlay-hover-effect .post__text-front .entry-author span.entry-lable,.post--overlay-hover-effect .post__text-front .entry-author .entry-author__name,blockquote cite,.block-editor .wp-block-archives-dropdown select,.block-editor .wp-block-latest-posts__post-date,.block-editor .wp-block-latest-comments__comment-date,.wp-block-image .aligncenter>figcaption,.wp-block-image .alignleft>figcaption,.wp-block-image .alignright>figcaption,.wp-block-image.is-resized>figcaption{font-family:Poppins,Arial,Helvetica,sans-serif;}.navigation--offcanvas>li>.sub-menu>li>.sub-menu>li>a{font-family:Rubik,Arial,Helvetica,sans-serif;text-transform:uppercase;font-weight:500;}.ceris-footer .navigation--footer > li > a,.navigation--footer > li > a{font-family:"Source Sans Pro",Arial,Helvetica,sans-serif;font-weight:600;}.single .single-entry-section .block-heading .block-heading__title,.single .comment-reply-title,.page .comment-reply-title,.single .same-category-posts .block-heading .block-heading__title,.single .related-posts .block-heading .block-heading__title,.single .comments-title,.page .comments-title{font-family:Poppins,Arial,Helvetica,sans-serif;font-weight:700;font-style:normal;font-size:22px;}.block-heading .page-heading__subtitle{font-family:Poppins,Arial,Helvetica,sans-serif;font-weight:normal;font-style:normal;font-size:15px;}.header-main{padding-top:40px;padding-bottom:40px;}.search.search-results .block-heading .block-heading__title,.search.search-no-results .block-heading .block-heading__title{font-family:Poppins,Arial,Helvetica,sans-serif;font-weight:700;font-style:normal;font-size:32px;}.search.search-results .block-heading .block-heading__title{color:#ed553b;}.page-template-blog .block-heading .block-heading__title{font-family:Poppins,Arial,Helvetica,sans-serif;font-weight:700;font-style:normal;font-size:32px;}.page-template-blog .block-heading .block-heading__title{color:#ed553b;}.page-template-default .block-heading .block-heading__title{font-family:Poppins,Arial,Helvetica,sans-serif;font-weight:700;font-style:normal;font-size:32px;}.page-template-authors-list .block-heading .block-heading__title{font-family:Poppins,Arial,Helvetica,sans-serif;font-weight:700;font-style:normal;font-size:32px;}.page-template-authors-list .block-heading .block-heading__title{color:#ed553b;}.page-template-bookmark .block-heading .block-heading__title,.page-template-dismiss .block-heading .block-heading__title{font-family:Poppins,Arial,Helvetica,sans-serif;font-weight:700;font-style:normal;font-size:36px;}.page-template-bookmark .block-heading .block-heading__title,.page-template-dismiss .block-heading .block-heading__title{color:#ed553b;}

Debt Payoff

Should You Refinance Your Student Loans? The Pros, Cons & Best Lenders

A Message From
Our Founder

Popular Tags

Debt Payoff

Should You Refinance Your Student Loans? The Pros, Cons & Best Lenders

Posts navigation

A Message From Our Founder

Latest Posts

The 11 Best Jobs For 14 Year Olds (+ How to Apply)

18 Best Apps That Pay You To Walk (2022 Update)

Honeygain Review: Is It Legit & How Much Can You Earn?

SurveyMonkey Rewards Review: How It Works + How Much We Earned

How to Become a Millionaire From Nothing

Popular Tags

A Message From
Our Founder