Category: The Pennies

4 Things College Students Need to Know About Student Loans

August is here, which means hundreds of thousands of students are gearing up to head back to campus. Freshmen are excited to FINALLY be done with high school and leaving their parents’ house, while seniors can’t wait to see all their friends and start the count down to graduation. What I’m pretty sure no one is worrying about is their student loans. When I was in undergrad, and admittedly grad school too, I wasn’t thinking anything about my student loans. I knew I’d have to pay them back eventually, but I was just happy to have the semester paid-in-full and impatiently waiting for that refund check to hit my account. Now that school is done and my loan providers basically want my first (unborn) child as payment, I’m realizing I should have been worrying about my student loans from day one! (more…)

Brighten Your Smile with Affordable Teeth Whitening

This post was sponsored by Smile Brilliant. All words and opinions are mine and mine alone. Please see my full disclosure statement for more information.

I don’t know anyone that doesn’t yearn to have a brighter and whiter smile. There was a point in time where teeth whitening was reserved for the wealthy, but fortunately it is now something very affordable that you can do it right at home! Smile Brilliant, a professional at home teeth whitening kit, was created by a dental professional with more than 30 years of experience. The company came to be after realizing that majority of the cost & time associated with professional teeth whitening revolves mostly around trips to the dentist. To reduce cost and time, the Smile Brilliant founder developed a system that allows customers to make their own dental impressions right at home! (more…)

3 Tips to Not Letting Student Loan Debt Ruin Your Life

When I finished undergrad, my only concern was finding a job and not being back under my mother’s roof for too long. I wasn’t terribly worried about how much student loan payments would or even how they would impact my life years down the road. Now that I’m a real life adult and trying to plan a wedding, buy a house, buy a car, and generally just trying to live, I’m realizing how much of a hold my student loans have on my life. The truth about student loan debt is that it sucks. I don’t know a single person with student loans that feels as though their education was worth it. Despite those feelings, we still have to make those payments, but I have a few tips to avoid letting student loan debt ruin your life. (more…)

The Ugly Truth About Student Loan Debt

According to US News, 70% of recent college students graduate with student loans. Student loan expert, Mark Kantrowitz, estimates the average 2016 grad to hold $37,172 in student loans. A recent survey found that 59% of millennial graduates have no idea when their student loans will be paid off. If those stats aren’t enough to make you say “WTF”, let’s add to it that there are 44 million borrowers in the United States alone with a total debt approximated at $1.4 TRILLION! Unfortunately, I am one of these 44 million borrowers and despite the efforts President Obama made to help reduce the burden imposed by student loans, I believe there is some ugly truth about student loan debt we all want to shout from the rooftops. (more…)