[4:11] Planning for College Prepaid programs are available CollegeBacker is a great resource Scholarships are available you just need to do your research 529 plans should be taken advantage of Small amounts make a massive difference Community College is also a great option for people trying to save money [6:50] Getting financing whilst in college Federal & public financing is available Scholarships – different grants are available Getting your employer to pay for your schooling even if you don’t have amazing grades Where there’s a will there’s a way [8:42] How to Consolidate Consolidate = mushing all your loans together in a single interest rate Lots of financial institutions can help you with consolidating You can only do consolidating once but only after you finish studying Much easier to manage  [10:13] Why you should refinance If you have a high interest rate on a loan- your loan can get bought out by another bank of financial institution Works out cheaper for you as it gets you a lower interest rate Works for all kinds of debt- great to take advantage of when rates go down in the general economy [12:42] The problem with deferring your loans & minimum payments People do this because they don’t have the money and you gotta do what you gotta do However, don’t make it a habit! You don’t want to pay minimums because in the long run you end up owing a ton more. Your student loans will end up increasing in valueSupport this podcast at — https://app.redcircle.com/shows/11f32da4-3081-471f-bf51-ea341b89ab1d/tip