Cheryl Winokur-Munk

speaker
1,406 appearances 26 recordings 2 series first heard Apr 2019 last heard Jun 2025

Cheryl Winokur-Munk’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Student-Loan Payments Are Set to Resume. How Should You Prepare? · 18 Jun 2021 podcast
For example, you could refinance with a private lender. voice-verified
There are downsides, of course, to doing this. voice-verified
But if you have, especially if you're a person with very good credit, you may be able to refinance a federal loan with a private lender for a lower rate. voice-verified
But there are some drawbacks to be aware of. voice-verified
You'll lose access to the federal perks such as income driven repayment. voice-verified
And if you qualify, public service loan forgiveness and teacher loan forgiveness for those who qualify. voice-verified
So you really want to make sure that you are aware of what you're potentially giving up before you refinance with a private lender. voice-verified
The other thing to consider is how long voice-verified
Okay, but what about borrowers who already have a loan with a private lender? voice-verified
Absolutely. voice-verified
If you think there's a possibility, especially with rates being so low, it's always worth calling and checking out to see if the lender will offer you a better deal than you have now. voice-verified
You can look at other lenders as well. voice-verified
And aside from the fact that you'll have to do some work to actually refinance and sign up with another lender, there's no fees involved in refinancing. voice-verified
Nothing with respect to widespread forgiveness, which has been talked about, either the 10,000 figure that's been floated or the 50,000 figure that's been floated. voice-verified
But some borrowers have found some relief. voice-verified
For example, earlier this week, the education department approved another $500 million in loan forgiveness requests from former ITT Technical Institute students who said their former school, which is now defunct, swindled them. voice-verified
And so this was 18,000 former students. voice-verified
They're getting their loans forgiven. voice-verified
But this is not the widespread program that people are talking about and hoping is going to come down the pike. voice-verified
Thanks for having me. voice-verified
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