Did you know that the average college senior is graduating with over $30,000 in student loan debt? College pricing is skyrocketing, and college debt levels are following suit. What is not rising? Salaries!
College students typically do not put a lot of thought into student loans while they are in school. I know I didn't! However, this can be very dangerous! It is very easy to fall deep into student loan debt, and this type of debt can be difficult to manage and pay off.
I graduated from Saint Cloud State University in May of 2009. I came out of school with about $32,000 in student loans. What was even worse is that it took me ONE WHOLE YEAR until I was making enough money to properly manage that debt-load!
I know exactly what college graduates are going through. And now that I am on the other side, I can say with 100% confidence that fighting through this type of debt is absolutely worth it! Becoming debt-free feels amazing and it opens up so many doors in life!
If you have student loan debt, you must learn how this type of debt affects your finances and how you can properly manage. This online program is designed to help you understand the consequences of this type of debt, so that you can identify the right course of action. This program will help you get on a plan to overcome your student loans so that you can enjoy life!
I know exactly how student loans affect people (I have experienced it myself). I have won the battle against student loans, and I can help you win too! Sign up today and take control of your student loans! This program comes with a 30 day money back guarantee. Also, once you purchase the program, you will have lifetime access!
Sign up today and take a step toward financial wellness!
This lecture will discuss a variety of statistics regarding student loans. These statistics are pretty scary and are meant to motivate you to follow through with the concepts taught in this course.
There are a lot of myths regarding college. Unfortunately, our society has bought in to these myths. Let's debunk these myths and understand why they are false!
Student loan default is very serious and should be avoided at all costs! Please allow me to explain.
Student loans pose many threats to our financial wellness! Let's explore!
When you have a student loan payment, you lose the option to spend that money on other things. This is known as an "opportunity cost."
If you take out a lot of student loans, you forgo the other opportunities! In this audio presentation, we will explore some of the various opportunities that you may miss out on. Please note that this not meant to be a discouragement; this is meant to encourage you NOT to borrow a lot of loans!
Whether you are in college, or out of college, it is important to understand how much of your income is being used to cover the cost of student loans. Using "zones," we can understand whether or not our student loan payments are manageable.
Whenever I teach this content in front of live audiences, I like to provide this little exercise. Due to limitations of this medium, we will have to make due with this video!
The first step to properly managing your student loans is to be proactive, not reactive!
It is important to take an inventory of your loans so that you know where you stand. Do not be one of the people who "forgets" about a student loan!
Take the time to understand your student loans. Know thy enemy!
Depending on your loan amount and your income, you may need to find ways to increase how much you bring in. Your income is your greatest asset when fighting student loans!
You need to get on a balanced budget! It will allow you to become more effective at managing your loans!
Let's not underestimate the power of a "rainy day fund!"
Now it is time to attack the loans! How should you go about doing so?
Stay focused and discipline! Your student loans will take time to pay off, and your finances will require time to improve! Believe me when I say that the time is absolutely worth it!
Thank you for attending this online course! I hope that this course has help you in some way. Please take the time to leave a review. Your feedback is valued!
Devin Czech is a financial wellness instructor with experience speaking to audiences in both non-profit and for-profit settings.
Devin graduated from Saint Cloud State University in May of 2009 with a Bachelors Degree in Finance. While in college, he experienced financial difficulty including nearly being evicted!
After graduation, Devin was saddled with over $40,000 in debt. However, over the course of 5 short years, Devin was able to pay-off all of that debt and accumulate over $40,000 in savings and investments! The "180" in his financial situation was the result of tireless study, creation, and application of some very simple financial principles. These principles are now being delivered to help people just like you!
Devin has taught many classes to many audiences under the name of Payczech, and is now moving his expertise to Udemy! Check out Devin's financial education programs and learn how you can take control of your financial destiny! The principles taught are field-tested and are simple to follow! Achieving financial wellness takes time and patience; it is not a “get-rich-quick” scheme. It may take time and effort; however financial wellness is definitely worth it! Sign up for one of Devin’s programs today!
In his spare time, Devin enjoys running, working out, spending time with friends, cooking, and learning.
Enroll in any course below, and learn how you can take control of your finances today! Proper money management will help you reduce stress, and help you focus more time on the things in life that you enjoy!