Podcasts about givling

Multiple surveys indicate that people with student loan debt regret taking out the loans. A 2026 ScholarshipOwl survey of over 12,000 students found that 71% of those who already hold debt regret the decision, with concerns centered on unaffordable monthly payments and economic uncertainty. A 2022 Givling survey reported that 63% of borrowers regret taking out student loans. A 2024 Ramsey Solutions study found that 53% of student loan borrowers regret going into debt. Other polls show varying levels of regret, with NerdWallet (2024) reporting that 36% regret the amount borrowed, and WalletHub noting that 61% of college students regret how much they borrowed. If you are reading this, then I likely don't need to convince you that avoiding student loans is preferable. But there is another regret that many families tell me they have, even families who have avoided crippling levels of student loan debt: They wish they had started the scholarship process earlier. Next week, I'm sharing an interview with a mom and student who earned a full-tuition scholarship. Despite such success with scholarships, they even said that they wish they had started the scholarship process sooner. Likewise, Victoria and her mom told me the same thing in an interview last year, even though she earned a full-tuition scholarship, as well as enough in outside scholarships to cover room and board. I, too, feel the same way, even though my son earned 23 outside scholarships, and we paid only $1500 for his college degree, tuition, room, board, books, and fees included. I wish he had started applying for scholarships before his junior year of high school, as I am convinced he would have won even more scholarships. Unfortunately, learning how to have success with scholarships tends to get put on the back burner, especially during the school year. And I get it. Students are busy. That is why summer offers one of the greatest opportunities to kick-start your student's scholarship journey, and why I'm so excited to offer the Scholarship Summer Camp again this year! The Scholarship Summer Camp is for high school students in the Classes of 2027, 2028, 2029, and 2030. Your student will learn the skills required for scholarship success by applying for real scholarships, including a $35,000 scholarship capstone project! But the Scholarship Summer Camp is designed in a way so that your student doesn't have to give up their summer. Lessons and brief, yet impactful and actionable. Every Monday through Thursday, a new, pre-recorded lesson will be released. On Thursday evenings, we will be live (but recorded for future viewing), discussing the week's lessons and taking Q&A. Here's the agenda: Week 1: The Tools For Scholarship Success Week 2: Your Personal Narrative Week 3: Finding The Right Scholarships For You Week 4: Why Do You Deserve To Win This Scholarship? (Apply for a Real Scholarship This Week!) Week 5: Topical Scholarships (Apply for Another Real Scholarship This Week!) Week 6: $35,000 Capstone Scholarship Project! This year, I'm offering two different start dates for the Scholarship Summer Camp. Our first session begins on June 1st, and the second session begins on July 27th. So, when school starts again in the fall, how do you want to look back on this summer? As a time of regret, wishing your student had learned the scholarship process, or as a time when their successful scholarship journey began? To jumpstart your student's scholarship journey, click here to learn more and register for the Scholarship Summer Camp today. ---------- Of course, the goal is to graduate from college with zero student debt. So, before taking any student loans, make sure your student is applying for every scholarship for which they are eligible. Remember, students can apply for scholarships throughout their time in college. This free guide on earning scholarships while in college explains where to find scholarships, has best practices for applications, and more. Beyond applying for as many scholarships as possible, complete the FAFSA each year. This may open grant and work-study options, as well as federal student loans. The federal student loans that the FAFSA opens for students usually have the best interest rates and terms, and do not need a cosigner. However, for the vast majority of students, the lifetime limit they can borrow is $31,000 ($5500 for year 1, $6500 for year 2, $7500 for years 3 and 4). If more funds are needed, the private student loan market is one option for funding the student's remaining balance. In most cases, parents/guardians will have to co-sign for these loans. There are several private student loan companies out there. My favorite, however, is Juno. Juno is a group of more than 200,000 students and parents who work together to make lenders reduce the cost of student loans. You can join for free to access their deals and prepare for future payments. It takes less than a minute to join, and there is no fee or obligation. To recap: Step 1: Ensure your student is applying to as many scholarships as possible to reduce the cost of college. Step 2: Complete the FAFSA to get access to federal student loans, as well as grants and work-study, if eligible. Step 3: Compare the best rates and terms for additional student loans from various providers, including Juno. ---------- Featured Scholarships: Kramer Law $1000 Safety First Scholarship $500 Odenza Vacations College Scholarship $10,000 American Lawyers Alliance Scholarship $1000 Altruism + Good Deeds Scholarship $5000 Christian College Scholarship $2,000 Protestant Faith-Based College Scholarship $2,000 Catholic College Scholarship $50,000 ScholarshipOwl No-Essay Scholarship

We talk to Givling's Chief Marketing Officer, Seth Beard, about people being able to help pay off their student loan with the Givling online trivia game.

Teens and credit cards: why giving your teen plastic money might just be a good thing with the Globe and Mail’s personal finance columnist Rob Carrick. Then, an online resource that helps you find your family a home near the school of your dreams. Carolyn Keesh, co-founder of SchoolQ is here to tell us how it works. And, Math guru and musician Vanessa Vakharia tells us why math is a musicians best friend. Plus, a trivia game that helps you pay off your student loans with Givling’s chief marketing officer Seth Beard. And, debunking common retirement myths and pitfalls with certified financial planner and money coach, Steve Bridge.

What an interesting week we just wrapped up. Did anyone check out the reparations hearing that Congress held Wednesday? Josh & Tobe discuss what criteria surrounds reparations and are there qualifications for them. Are reparations truly realistic considering the climate we currently live in and what sacrifice would those who receive them, have to make? Tobe gives up an update on his savings goal for the year and also why do savings matter. Saving money seems to be a difficult task for the average American. Josh speaks about how his ability to save opened the opportunity for him to recently partner on a couple real estate acquisitions. Has anyone heard of a potential bill that would remove private mortgage insurance once a borrower reaches 22% equity in their mortgage loan. This is still up in the air so we can't guarantee you it will be a thing of the future. With a conventional mortgage loan, PMI (private mortgage insurance)is required until you have 20% equity in the value of the home. on a FHA loan, you currently pay PMI for the duration of the loan. That is the tradeoff for only having to pay a minimum of 3.5% as your down payment. If this bill is to be passed, could we possibly see an increase in 1st time home ownership? We also touch the recent developments between US & Iran, The We Work IPO, the Givling app in which you can win prizes that are credited to your student loan debt, and much MORE! SUBSCRIBE RATE COMMENT!

Did you know that there's an app that will pay your student loan debt by just playing trivia? this week's episode I sat down with Preston Blakely of Givling, Inc. the app that does just that. In this episode we dive into: The history and story behind Givling, Inc. Preston's previous entrepreneurial endeavors prior to focusing on Givling, Inc. How crowdsourcing and advertising is used to make Givling work as it does How Givling has both a free to play and pay to play option Is it really as simple as it sounds? Yes, it actually is. The details behind the payout system Givling has in place I hope you enjoy this episode and definitely check out the app, Givling, on iTunes! As always, keep climbing guys!   -Will