Just because you have recently graduated from college or are early in your career doesn’t mean that you shouldn’t be thinking about your financial future or that you can’t seek help in answering questions you may have.  This is the exact time you should be asking questions.  First, from a saving for your retirement perspective, the younger you are when you start planning and saving for your retirement the better your chances of having a financially independent retirement age.  

But, if you are like many young workers or graduates you feel as if you are unable to save toward many of your life goals.  You may be like the many other recent graduates who have higher levels of student loan debt, lower levels of wealth and personal income than any other generation at the same stage in life according to The Pew Research Center.  Depending on the type of student loans you have federal (subsidized/ unsubsidized) loans or private loans your repayment options will vary. That only means you need some help to review your student loans to see if you could benefit from refinancing them or help you figure out a plan to begin paying off your loans.