PSA: I just refinanced my student loans from sofi to citizens bank and was able to reduce my rate by about a full point. If you’d like, I’d be happy to give you my referral link. I would do this not because I like you, but because I would get a $500 gift card if you refinance more than 30k of loans. You also get a $200 gift card. If you don’t want my referral, I’d still say check it out because the rates were pretty great!

funnylikeuplifting
Posting as :
works at
You are currently posting as works at

Noice

like

But serious q, I’m trying to figure out if I should refinance. When does one typically refinance? I am a 2020 grad (undergrad) with 24k federal student loans. Interest is from 2-5% (about 5 separate loans). Will I be able to get something lower?

Wait until the suspended interest expires on govt loans before you refinance. Interest is technically 0% right now. Take advantage

helpful

Mind sharing what rate you received? I'm at ~4% and haven't found anywhere to beat that unless I go to a 3-5 year loan which I'm too poor for.

Yep it’s 10yr @3.72%. ~32k of loan for me

helpful

Greetings all, apologies for potential misleading information. The referral link I am referring to is through credible (aggregator like lending tree). Citizens did provide the best rate for both my partner and I.

Ugh I’d totally do this if I weren’t planning on going back for the MBA soon.

Related Posts

Hi fishes! I had asked for benefits other than CTC which Bank of America provides & now that I've completed 1 month here, here's the list of allowances you'll be getting irrespective of position/band:

1. Sodexo: 1300 p.m./ 15,600 p.a.

2. Transport allowance: 900 one way, 1800 two ways p.m./ 21,600 p.a.

3. Internet: 1500 max p.m. (other than that, one time installation charges)

4. Tuition fee: Any certification related to your field. Like CFA, FRM etc. 3,00,000 p.a.

(See Comments)

like

So I work with Citi and have about 9 YOE in finance, banking, accounting, AR, AP etc. a lot of different experience across all the spectrums. Intrigued by Fintech. What are some of the big companies hiring for fintech roles that maybe I could look into? Looking to make a change quickly. Live in Tampa.

like

If a headhunter approaches someone for c suite position but you know a friend who knows key decision maker/chairman. Do you just bypass headhunter? Its in round 3 shortlist.

like

Hi Fishes,

I am a QA engineer in an edutech company. I have an experience of 7.5 years (manual testing- database, front end, mobile and api testing).

I want to move to a BA role. I have good communication skills and an analytical mind. Below are 3 of my biggest questions.

1. Is it too late to switch to a BA role?
2. What are the skills,tools or certifications required?
3. How should I approach a job opening, given that I have no work experience as a BA.

Pls do pitch in your thoughts

Side gigs. What do you do to supplement your income (besides marry for money)? I bartender but that’s taken a hit with Covid. Thinking about some kind of tutoring set up.

likefunny

currently tossing up between staying at a global company (who is in the process of some positive changes) with an amazing manager who supports my career and flexible working … however comes with the inherit issues that come with a long standing global company

compared with a role at a smaller mga, higher salary (around 30%) more , more visibility career wise and some great employee benefits , management seem to be supportive and low staff turnover

which would you choose here

like

Currently making 125k salary with 10k bonus at essentially an assistant controller role. Client wants to hire me and is asking for my compensation range. What is the market rate for an assistant controller in a large private company? They are really really wanting to hire me and willing to pay a little more. They floated around 150k last time we spoke but is there potential to ask for more?

like

I received a message on LinkedIn from an internal recruiter at a company that sounded intriguing. Would it be bad form to ask for more information about the role and about comp up front? I wasn’t looking to leave my firm until later next year at the earliest, but the company sounds really interesting. Don’t want to waste a lot of time if the comp isn’t right, though.

like

Hi, I have got offer from NTT, expected at least 9 LPA , how can I negotiate , have 2 years of experience in same domain (python & ansible) . Get selected for SRE Role. How much I can expect from them.

like

Deciding between PWC Core Assurance or KPMG Internal Audit for associate role. Any advice guys ?

like

McKinsey & Company Hi everyone. Hope all is well.

Recently took the McKinsey & Company game (not sure if I have an interview yet but preparing nonetheless). It’s an entry level business analyst position and an entry level digital position and was wondering if anyone wanted to case prep with me. I’m willing to work on anyones time zone. (I’m located in Sydney, Australia).

Anyone upgrade their Amex Blue to Gold and get the bonus offer?

like

Open to a new role more focused in the tech industry. Have nearly 5 years working in a top 5 Canadian bank. I currently manage a commercial banking portfolio of roughly $100 million in annual commercial lending clients. Have experience selling and managing c-suite etc. Looking for a remote opportunity.

Hi Fishes,

YOE 11+
Skills : Java, Spring boot, hibernate, rest api, micro services, docker, kubernetes
I can join in 25 days (Already in notice period)

Can someone refer me for a lead or senior role?

Thanks in advance.

like

Hey folks
I’m thinking of applying for the position of associate product manager 1, having an experience of 2.5+ years. What is the salary package I can expect ?

like

I got an offer for an L5 role at Amazon Web Services and for a senior role from a non-FAANG company. I'm excited to get into management at AWS but have heard a lot of negative things. Not sure what's the best choice.

like

Hi Everyone - I was hoping someone could throw some light on the kind of work trust and safety does. I see a lot of open roles - managers, senior strategists etc. I have a top 20 MBA and about 8 years of big 4 experience in consulting - would this be the right kind of role to get into? Or is it more engineering?

likehelpful

Hi all, I’m just checking the Spanish market for consulting as I’m finishing my PhD in Biomedicine and want to jump into it in Barcelona. I also hold a business masters and I am currently consulting at a big pharma company
1. Do you think Junior Associate is a good position to start with?
2. What is a range of entry salaries as a consultant in Spain?
Thanks in advance
PS I already checked Glassdoor but 58K Junior associate doesn’t seem realistic to me

like

Hi Fishes!
I am a 2021 Graduate and I am looking for a referral at PayPal for SDE role

Companies hiring remote, experienced CL account managers with salaries of at least 90k. GO!!!

like

More Posts

How do y’all meet people (networking/prospects/otherwise)? Something besides mipster/muppies would be solid :)

like

PwC fish: how can I do an in-service transfer of my after-tax 401k contributions to my Roth IRA? I was planning to roll them over after I leave the firm but saw in other thread that we allow in-servic

like

What is sfdc like at Accenture? Preferably NE region?

like

How is IT M&A different from any other system implementation/integration?

like

Does your facility check all employee temperatures before entering the building?

like

Was at dinner with my mom yesterday and we got into an argument about me not wanting to tell her how much my salary is. I had no problem telling my parents right out of college but just feel kind of weird about it as I progress in my career. She said I am getting a big head and I replied that the exact reason I don’t want to tell her how much I make is because I don’t want to brag/ have a big head. Should I tell my parents how much I make for the rest of my life? Am I over thinking it?

like

Best place to have a 3-4 day weekend in the north East right now with COVID? Looking to book something special with my family that they feel is safe since our south Florida trio fell through :( Criteria - love being outdoors and if possible near a beach

like

Wake up on a Sunday and the first thing I see on Twitter trending is"Civil War" along with more violent clashes in Portland, a death, people online screaming the other side is plunging us towards the point of no return.

What a great start to the day...

likehelpful

advice on remote onboarding and what to focus on? trying to meet as many as people as possible but any tips to set myself up well?

like

KPMG 🐠 , how long to hear back after final round partner interview?

like

GBR 959% return lol?

like
like

What industries are good for stability and lower stress?

No snark, please. I’ve had some health issues come up and was told to find a lower stress environment.

like

🐠 what are your thoughts on diamond tipped bow ties compared to the classic squared off look? Have some black tie weddings coming up and need a new bow tie

like

Uber Eats Wrapped. A summary of all the stress eating you did while working from home…

like

Anyone working or know someone in Transformation (TMO) team in EY GDS? Need a referral for an open position. Thanks

EY

like
like

HR shared offer letter yesterday and sent linkdin request. How to deal with this situation as he can track my activity like ( likes on job post opportunity, Open for work etc..)
Note - 2 month of notice period to serve to get counter offer

like

Is it possible to switch from Consultant to PM without work experience or MBA?

like

It feels very telling that there are so few people in this group. Any thoughts on that? It feels like the vast majority of people managers only want the title and don’t want to worry about their people.

likesmart

Additional Posts in Consulting

Say new joiner bonus is $10k and you're paid 1/12 of this amount each month beginning on your start date. Then you quit after month 6. Do you have to pay back Accenture the GROSS amount of the bonus?

like

What type of technical and behavioral questions will KPMG ask for my last round of interviews? Anyone have ideas?

like

When did you put company email on your personal phone? First year? Second year?

like

Any book recommendations for philosophy, psychology, and business? Or any book you read last year changed your values? Going to fly international, gonna read it on flight. 😍

like

Anyone has recent experience with Morgan Stanley interview tech role (cloud architect)? What is the interview level and how many rounds?

like

Any recs for CIPM study books?

like

I’m 25, currently on my parents health insurance plan but want to get my own. I’m in the process of looking for a new job...should I wait or still enroll now during open enrollment?

like

For implementation of a project , Is delivery important or leadership ? If only one had to be chosen rather which will you give more weightage

like

When negotiating salary, would you talk with the recruiter you’ve been working with most of the time throughout the interview process or the main HR director that sent you the offer letter?

like

Looking for some book recommendations :)

like
likefunny

Any book recommendations for the summer vacation season? What's your favorite book over the last year?

like

Any good books recommendation on effective client communication/business writing?

like

So I work at KPMG and I got in trouble for reaching out to my Resource Manaager to find me engagements which I am interested in...even after telling my PML/Counselor that I will be reaching out. help?

like

Is it a good idea to live in a bunch of different cities for a month each while WFH is still a thing? I'm young and it sounds like a fun thing to do before I'm more tied down, but I'm slightly worried I'll never have enough time to make friends anywhere I go. Perhaps I can get a baseline amount of social interaction through dates and rec leagues. Any thoughts on if this is a good idea or what heuristics you would recommend I use to select the cities?

like

Anyone at Slalom willing to chat? I saw an open position and would really appreciate a chance to pick your brain about the firm.

like

New first: lady singing out loud next to me on plane while playing solitaire

likefunny

I’d love to have more plants around my apartment. Any recs on plants besides just succulents that won’t die if I’m gone Monday-Thursday and can’t water them?

likefunny

What are some of the best savings accounts you know of?

like

Who is hiring in the human capital, employee experience, organizational development, or leadership development space? One of my nye resolutions is to no longer allow myself to be belittled by an incompetent manager. My company is small so there isn’t places I can move to internally.

External Consulting preferred over in house as I like the travel involved with consulting.

likehelpful

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal