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Phil’s Phacts

‘Free’ College Loans? Nope . . . You Pay!

Submitted by AFS Wealth Management on March 30th, 2015

blog-3.pngDecisions have consequences. Some things just don’t work out the way we plan. 

Who has heard of the Income-Based Repayment (IBR) plan the US government has implemented for federal student loans? The truth is: not many. More than 12 percent of student loan borrowers are defaulting, even while there are other options-such as Income-Based Repayment available to them. And while IBR can help many struggling graduates, it is quickly becoming a big burden for American taxpayers. 

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Five Tips To Avoid Vacation Debt

Submitted by AFS Wealth Management on March 23rd, 2015
blog-2.pngThankfully, summer is finally here. Summer is here, the weather is warm, and the days are long. Of course, with summer brings vacation, and who does not love a vacation? We can all agree they are well-deserved. But if we start throwing around the b-word, budget, oftentimes we feel like we are ruining the fun.
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