Simply just join the discord and go to the #use-here channel.

Discord Invite Link: BaavvRT7zN

How it works:

Step 1 - Go to #use-here

Step 2 - paste your Chegg link

Up-vote & invite all your friends!

Any tips on how to convince myself start revising 😅 (ps: exams r in 7 days)

https://discord.gg/fMSaYngE Link is working

this is pretty cool free training I came across that seems like a great way for student to make a little extra money on the side https://docs.google.com/document/d/1RLEuAp6oYYrOG4-GhfuIt14C4chU50V5GSvVPpij6eE/edit?usp=drivesdk its pretty long, over an 1hr nbut the presenter seems like a really successfull online businessperson and the method seems prety easy. I was wondering if anyone else has tried out these methods for making money on line

For a $200 credit upon approval use the link below to fill out your application! $200 Approval Bonus

When I was looking to refinance, reading everyone's stories on here really helped me - so maybe this will help someone out there..

I had 9 private loans, spread across 3 servicers for a combined balance ~$75K. The variable interest rates were all over the place with one as high as 12.25% - with an overall weighted weighted average of 4.5%. The payoff dates ranged from 2027 through 2033. My primary reason for attempting to re-finance was to get one fixed interest rate. My variable ones were out of control, and rumors of the rates going up twice more this year lit a fire under my ass. I was also sick and tired of keeping up with so many servicers. I have made on time payments on all of my loans from 2013 to the present / income ~$77k (plus $6k-$8k bonus) / credit score 818.

I started with Credible and I wasn't even getting any preliminary rate quotes below 4.5%. I think there was one prelim quote from Citizens that was 4.3 something with a five year payment plan that had a monthly payment well beyond what I could pay. At the suggestion of this sub, I looked into LendKey. The experience went as follows:

May 22nd: Requested a prelim quote on their website, said I was pre-qualified for a 3.15% fixed rate on a 7-year payment plan with a monthly payment around $1,100. Great! I had a particularly slow day at work so I just decided to get it done. I compiled my W2, paystubs, license copy, my 9 payoff statements, 9 loan statements and the other documentation I needed to evidence my married name (all loans were taken out in my maiden name). Submitted complete application.

May 22nd (SAME DAY): Received email from Lendkey that I did not qualify for the 3.15%/7 year loan term. I called them up and they said my DTI ratio was too high due to my federal student loans (which I was not refinancing). They offered me a 4.37% fixed rate (with autopay) with a 10 year term and payments of around $730/month. I told them over the phone to send over the paperwork for the 4.37%/10 year offer.

May 23rd: Received email from Lendkey stating that they needed further proof of my address. I uploaded a utility bill to their site.

May 25th: Received the actual loan approval and signature documentation from LendKey via their website. Reviewed everything, e-signed and submitted it. I called them to ask how long disbursal would take, and they said 7-10 days but it can take up to 30 days for my servicers to process the payments.

June 8th: Received an email that my disbursal was complete and that Lendkey sent payoff checks to my lenders. Of course I called them again to confirm that they mailed actual checks...they indeed did. They mailed checks to Discover and Wells Fargo, and were able to send a electronic payoff to Firstmark.

June 15th: All of my payoffs were finally were received and processed. All 3 servicers are overpaid to some degree since I had to make my June loan payments before the refinance processed, so I will be receiving refund checks in the mail at some point. Luckily, the first LendKey bill isn't due until the 15th of the month after loan disbursal, so I didn't have to have a month of double payments.

I know the advice of this sub is to shop around with your re-finance offers, but I was happy with my 4.37% and I will be shopping around for more offers in about a year from now. I had other financial things going on and wanted this refinance done ASAP for personal reasons. I emailed Laurel Road to inquire about rate matching, and they wanted me to re-upload everything I had sent to LendKey - the 25ish documents - along with my Lendkey loan offer/approval. I didn't have the time or energy for that. It will all be easier next time since I'll only have one loan statement and payoff to retrieve and everything will already be in my married name.

Overall, 10/10 experience. I'm so relieved to have one (private) bill to pay, one servicer, a fixed rate and one payoff date to look forward to. I've called Lendkey many many times and I was always talking to someone within a minute or two of dialing. Their customer service is really great. If you have any questions, just let me know :)

Hang in there everyone - we can do this!

https://discord.gg/BvTZQM52WQ