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If you have student loan debt and have been thinking about refinancing, this may be a good time.

The Federal Reserve’s attempts to protect the economy during the coronavirus pandemic have pushed average rates for qualified borrowers refinancing student loans to new lows this summer.

According to an analysis of more than 17,000 student loan refinancings facilitated by the Credible marketplace over the last four years, during June:

• Rates on 10-year fixed-rate loans averaged 4.48%, down 26% from a July 2018 peak of 6.05%
• Rates on 5-year variable-rate loans averaged 2.95%, down 37% from a September 2018 high of 4.68%.

We estimate that a borrower repaying the average graduate school debt of $84,300 over 10 years at 6.22% interest — the average student loan interest rate for grad school loans in recent years — could save: 

• $22,656 by refinancing into a 5-year variable-rate loan
• $8,686 by refinancing into a 10-year fixed-rate loan

Those are huge savings! But it’s worth highlighting the phrase “qualified borrowers”. Meaning, not everyone would qualify for the lower rates. With having a son set for his first year semester of college as a freshman in the fall, I’ve been trying to get as much info as I can on the best student loans and rates.

HeartWork: How to Open and Operate Your Own Profitable Residential Assisted Living Home by JaneNK Nwanne Genre: Health Non-Fiction

If you’ve ever wondered how to open an assisted living home or how to run an assisted Living Business, Heartwork is for you.It’s is a step-by-step guide for people who have a deep-seated passion for helping others, who are ready to make a life-changing career move to turn their passion…into profits.Jane Nk Nwanne has authored multiple books as a well-recognized expert in the assisted living industry.Like her readers, Jane shares a heart for helping others. And, like her readers, Jane believes that there is a way to merge your passion and your profession. With Heartwork , she shows you how.Stop wondering what could be. And find out how to make your dreams come true. You don’t have to be an experienced business mogul to learn how you, too, can operate a successful assisted living home.Jane aims to bring people and their passions together, into a profitable, life-giving career in the assisted living business industry. In Heartwork , Jane has developed a simple instructional guide for others who share her passion, so that they, too, can turn their passion into a lifelong, profitable and meaningful career.With the baby boomers now peaking post-retirement, the aging population is growing at a rapid rate.If you’ve been waiting for the right time to make your move into the assisted living industry, this up and coming “Silver Tsunami” makes now the perfect time to take advantage of a lucrative and rewarding career opportunity.When you settle into your new career, you’ll enjoy a life-giving profession that gives just as much as you do.If you’re tired of a career that lacks either meaning or money, Heartwork provides a life-changing catalyst that will allow you to turn your passion into profit.In an industry that desperately needs heart-led leadership, Jane provides the resources to show you the way to a passion-full, profitable career move.Learn how to open your own successful assisted Living Business where you’re able to finally, live out your dream of helping others, in a career that provides the financial support you need.Stop dreaming of a life and career that you love. Find exactly what you’ve been looking for…in Heartwork. Add to Goodreads Amazon * Website

Jane NK Nwanne is a Passionate entrepreneur mindset and Business coach, and the author of “Stir Up the Gift Within: Discover Your Extraordinary True self,” a thought-provoking motivational book that helps readers to learn the golden path to unlocking the success that resides deep inside, and change the mindset of a mundane existence. Before starting her own business in the senior care industry, she enjoyed working and caring for the elderly and disabled, a passion she developed growing up in Nigeria, where the culture is to care for elderly parents and grandparents at home. JaneNk decided to create her own Family-Setting assisted living facility out of her passion to see people thrive, her professional care giving experience and educational background in Health Systems Management. With more than 13 years of experience in the assisted living industry, she now manages multiple family-style assisted living homes, and help others aspiring owners who wants to grow their wealth by loving and serving others; lunch their own business. As a coach, Jane NK understands what it means to lack confidence, to have fear of uncertainty, fear of success, etc; because these are the challenges she experienced before building a successful business. She pushes her clients to create a winning mindset, and make though decision and choices that positively impacts their lives and business. Jane NK’s favorite aspect of the assisted living business is the opportunity to Build wealth with a business that rewards both your HEART and your WALLET. JaneNK also founded an online training academy for caregivers called Caregiver2ceo: Creating Entrepreneurial Opportunities Where Passion Fuels Prosperity. She uses this platform to help caregivers learn how to start their own assisted living facilities, and get ideas on how to turn their passion and career experience into a thriving business. Website * Facebook * Twitter * Instagram * LinkedIn * Youtube * Amazon * Goodreads

Follow the tour HERE for special content and a giveaway! a Rafflecopter giveaway

June is always a busy month for my family. We have my youngest son’s birthday, my oldest son’s birthday, my niece’s birthday, father’s day, my brother-in-law’s birthday, and this year it’s been especially busy.

On top of all the normal stuff my oldest son also graduated high school. With the COVID-19 isolation, they initially had a social distancing graduation which actually ended up being really nice. But now they’ve decided to go ahead and do a traditional graduation and prom too!

To top that off we’re leaving for vacation the end of this week and I’m trying to get ready for that. I’m not gonna hide it, I was actually appreciative of the break for a couple months. It was nice to not have to figure out how to get 4 kids to 4 different places for jobs, sports, practices, school events, etc. I’m not grateful for the reason it happened but I guess I just tried to pull some of the positives out of it.

Because of that break I was also able to take advantage of an opportunity. If you follow me on Facebook, Twitter, or Instagram then you know I also lover entering sweepstakes. I actually won 2 months with a personal trainer and nutrition plan from ForeverFitnessF2.com My schedule wasn’t so crazy so I could be more flexible with my times. The owner Dwayne is a good guy and very passionate about what he does and his business.

Being a small business they’re struggling right now since they couldn’t have clients at the gym but he has adapted and adjusted to create virtual classes, private and group training sessions, and more online. I highly recommend ForeverFitnessF2.com if you looking to get into shape. I’ve lost 5 lbs and 2 inches around my belly in 6 weeks. It might now seem like much but when you consider I’ve been trying since September to lose some weight and had only lost 10 lbs in 8 months, I’ll take it!

I love the Cardiokickboxing classes on Thursdays. So much fun and the instructor Amy is so fun and full of energy. They also offer classes like Dancefit, yoga, HIIT training, Bootcamp (which I take on Tuesdays) and more. You can sign up for a single class or buy a monthly or yearly package. Check out the ForeverFitnessF2 class schedule to see dates and times for classes. I’d love it if you joined me! Even with my busy schedule, working outside the house still (I’m a healthcare worker) and 4 kids I can always find a time that works for me. Single classes are only $3 or you can get unlimited monthly classes for $40, or yearly plans that make it only $25/mo for unlimited classes!

Check out their online shop too for adjustable dumbbells, yoga supplies, resistance bands, and lots more.

I’m doing this post as a thank you for what they’ve done for me and the opportunity they gave me. I just want to do my little part to try and give back and help small business in these hard times.

GIVEAWAY

I want to give one winner a $20 paypal or $20 Amazon gift card just for stopping by and helping share this post to help a small business.

Come Out & Play Giveaway Hop