Hello everyone, and thanks for joining us for today's Practice Minute. Today we review student loans and how to refinance your student debt. Once you get a job and have a steady income, you can go to the bank and apply to refinance your loan. If you have any collateral like a car, real estate, or investments, you should tell the bank about that because they do like security against a loan. This will lower your payments and interest. Ask for semi-monthly payments, which are twice a month to coincide with your pay periods. You should be able to reduce your loan from 5 -10% interest down to 3 - 4% interest, depending on your situation and the current market. The refinancing process will reduce the amount of interest you pay for your loan and free up more cash flow for you to live on.   Please click on the link below to watch our YouTube video on refinancing student loans. Also, take our survey so we can get to know you better. We are offering an initial free consultation to introduce students, doctors, and therapists for our business coaching program. DM us or enter your information on our survey so we may contact you. Thanks and we look forward to talking to you next time!