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Through credit karma I have a 768 FICO score. Low credit utilization on 2 cards with an average age of 10 years each. All of my payments have been on-time and I have no derogatory marks. One thing that credit karma dings me for is the number of total accounts being low. I would like to open a no int...

I chose federal student loans over private loans for graduate school, even though they were more expensive, and I am glad I did it. We are undergoing profound changes in educational financing in this country, and it is extremely hard to predict what the "rules" will be even 2-3 years down...

I agree that stretching it out would be the best policy but the program does not allow that since it is an accelerated Masters. Anyways for those interested I was able to get a 5.75% rate through Wells Fargo, variable. Once I graduate the rate drops .25% and if I setup automatic payments another .2...

I agree that stretching it out would be the best policy but the program does not allow that since it is an accelerated Masters. Anyways for those interested I was able to get a 5.75% rate through Wells Fargo, variable. Once I graduate the rate drops .25% and if I setup automatic payments another .2...

I agree that stretching it out would be the best policy but the program does not allow that since it is an accelerated Masters. Anyways for those interested I was able to get a 5.75% rate through Wells Fargo, variable. Once I graduate the rate drops .25% and if I setup automatic payments another .25...

Rubiosa wrote:I hope I'm wrong, but this sounds like a "for profit" school. Is it? What is the name of the school?

The school is a state university and not a for profit school.

I'm going to begin a graduate program in January and wanted some advice on student loans. The program costs a total of 35k for tuition, books, graduation, etc. and is a 16 month program. My work will put in 5000 a year so I'm going to take advantage of that and I have around 5k saved up but most of...

The federal rate is 6.8% with a 2.5% origination fee. The private loan is as low as 4.20% variable and 7.13% fixed with no origination fees though I'm not sure where my credit rating will put me. With the discounts I get on these rates would both be dropped by .50% with another .25% drop after gradu...

Hello, I'm going to begin a graduate program in January and wanted some advice on student loans. The program costs a total of 35k for tuition, books, graduation, etc. and is a 16 month program. My work will put in 5000 a year so I'm going to take advantage of that and I have around 5k saved up but m...

What do Sub-TA fees go to and what do 12b-1 fees go to? Is there any way to cut these out and what are high and low rates for these fees?

How can we get a cheaper TPA? From the answers I have a hard time understanding why a computer could not do the job of this company.

We use NorthWestern Mutual to pick out different 401k plans that fit our budget. I am curious why my company uses them and what they provide. They tack on a .25% fee regardless of whether or not you make money and I fail to see how they help my company. Can someone shed some light on what their role...

My Northwestern Agent is great. he is licenend in multiple states and is very efficient with my time. I have always had NML policies and they are great. He always tells me you get what you pay for, but he and i are able to work outside our contract so he isn't working for the company he is working ...

To make a long story short I have learned that DWS is who we are going with. Can anyone tell me the good/bad about them? Unfortunately they are the only company I do not have a portfolio of funds for. Not their funds but the funds they will provide my plan.

I can provide more details later but just so you know who is at the table the companies are as follows:

T Rowe
DWS
Principal Financial Group
American Funds
Diversified Investment Advisors
Fidelity

I am on a committee to help pick a 401k plan. We currently have John Hancock and they are horrible. I have proposals from 7 different providers. The big thing we are looking for is low fees, choice of funds, and internet accessibility. Is there anything I should lookout for or any companies I should...

My company has John Hancock for a 401k (yes I know they are horrible) I am trying to find out how much I am paying in fees that are not expense ratios. My company has under 2 million in this plan. Any help on the extra fees would be great. One more question. Why would any company choose Hancock? The...