All Forum Posts by: Ashley Gish

@Brant Richardson refi in progress...2.55% ! Thanks for being a catalyst for me. 

@David Wallace thanks David! I appreciate your logic in being able to see the bigger Financial picture. And thank you for your advice. Despite all of the negative comments on this thread there have been a few people like yourself who have been incredibly helpful. In fact I’ve decided to pay off everything above 5% and I was able to start the process of refinancing the remainder of the loans at 2.5%. Then will still be able to have 20% + down to start looking at properties. Feels like a good middle ground approach. We also have a short term rental permit for our home which is in a great vacation area so hoping to use that more. 

@George Gammon easily one of the most helpful things I have seen all day! Thanks so much for sharing your insights and amazing visual aids. 

@Brant Richardson Thanks again Brant! I will get started on the refi ASAP and really do appreciate your all of your advice. 

@Brandon Ramsay thank you! And thank you to everyone for the constructive feedback. But to be honest this is my first time posting in this forum and likely will be the last. I have a good job that I enjoy and pays well and a nice home and great kids. I am financially stable and can easily afford my student loan payments and everything else I need for a very comfortable lifestyle to be honest. Just looking for a way to get things paid off a little more quickly. I certainly don’t need to be criticized or feel like I need to justify my schooling, career or lifestyle choices. I know we aren’t supposed to kill threads but if anyone knows of a way to make this one stop that would be amazing. This is becoming so much less than helpful.

@George Munoz great perspectives! Thank you

@Nathan Norway that’s impressive in 1 year! Would love to hear what you guys decide on

@Kevin Blanchard thank you! Yes ive found a few properties within an hour of where we live for under $190k with potential cash flow of $350-$400/month so am hoping that will help t pay down the loans more quickly while also building towards the future. Even with a second property and a vacancy the monthly mortgages would still be under 20% of monthly expenditures so that fees manageable to me. Thanks for your positive perspective re student loan debt. I am well aware it’s a huge amount which is exactly why I want to try and be as smart as I can In doing something about it. I have some good friends that just moved to Tampa and will definitely share that info with them about the market there.

@Justin Robert thanks!