• About
  • $40K Challenge
  • Aunt Doris
  • Grandfather Says
  • Privacy
  • Archives
  • Disclaimer

Len Penzo dot Com

The offbeat personal finance blog for responsible people.

bullion star banner

How to Choose a Student Credit Card

By Len Penzo

For younger people who are just getting started in life, a student credit card is a terrific way to help establish a positive credit history. The most important consideration in choosing the best one for you depends on how you plan to use it. Here's ...

Continue reading How to Choose a Student Credit Card

Leave a Comment June 12, 2025

Your Money Reset Plan After Graduation

By Sabado Domingo

Graduation day feels like the end of something big, but it’s really just the beginning. Along with your degree comes the pressure to start acting like a full-grown adult—and that often means facing money issues you might not feel prepared for. One of ...

Continue reading Your Money Reset Plan After Graduation

Leave a Comment May 30, 2025

4 Smart Reasons Why College Isn’t for Everyone

By Len Penzo

Some things in life are painfully overrated. Take camping, for instance. Or iPhones. I've never understood the allure of luxury cars or the Baby Boomer generation's collective fascination with Bob Dylan either. Here's one more thing that's ...

Continue reading 4 Smart Reasons Why College Isn’t for Everyone

73 Comments May 26, 2025

The Pros and Cons of 7 Popular Student Loan Refinancing Options

By Enero Febrero

It's a sad reality that most students still can't graduate from a four-year university without being saddled with thousands of dollars of debt. And if you choose to stick with your standard loan repayment plan without looking into other options, you ...

Continue reading The Pros and Cons of 7 Popular Student Loan Refinancing Options

April 23, 2025

10 Reasons Why You Don’t Need a College Degree to Succeed

By Mikey Rox

For your whole life you've been told that you won't get very far without a college education. Well, I'm here to break your heart: they lied. Despite your youthful indoctrination to the contrary, here are some really good reasons why you don't need ...

Continue reading 10 Reasons Why You Don’t Need a College Degree to Succeed

March 4, 2025

Education Spending: How Much Should Parents Spend on Technology?

By Anum Yoon

Back to school shopping isn't what it used to be. Not too long ago, when it came to education spending, the most technologically advanced product that a parent would buy their kid was one of those bulky graphic calculators. Now, that almost seems ...

Continue reading Education Spending: How Much Should Parents Spend on Technology?

January 14, 2025

8 Misleading Claims People Often Make To Close a Deal

By Len Penzo

The other day I came across an old article that suggested a healthy dose of skepticism was essential when you're watching television commercials that make misleading claims for both prescription and non-prescription drugs. No, really. A study ...

Continue reading 8 Misleading Claims People Often Make To Close a Deal

January 6, 2025

Is a College Degree Necessary Today?

By Tex Freitag

Is a college degree necessary? Well ... possession of a university degree is still an important factor for many employers. So the question that we should really consider is whether having a degree is the only door to a successful future. Forty-one ...

Continue reading Is a College Degree Necessary Today?

September 25, 2024

How to Pay Off Your Student Loan Faster

By Sabado Domingo

One of the biggest obstacles that prevent many graduates from investing either independently or through an adviser is the student loan. Student loans can weigh down individuals from seizing rewarding financial opportunities until they're cleared of ...

Continue reading How to Pay Off Your Student Loan Faster

September 18, 2024

The Financial Benefits of Community College

By Sabado Domingo

So, you're thinking about your next educational step and the dollar signs associated with various options. If you're weighing the pros and cons of different types of schools, the benefits of community college might just catch your attention—not only ...

Continue reading The Financial Benefits of Community College

June 21, 2024

Healthy Financial Habits for College Students

By Tex Freitag

As a college student, managing money can be a challenge, but developing healthy financial habits can set you up for long-term success. With the right mindset and strategies, you can avoid financial pitfalls and build a solid foundation for your ...

Continue reading Healthy Financial Habits for College Students

June 13, 2024

How to Eliminate Student Loan Debt BEFORE Starting College

By Hannah Johnson

The national student debt load continues to sit at a crisis point - so it's not surprising that there is a big push to eliminate student loan debt. For this year's graduating class, more than 70% of graduates borrowed money to finance their tuition, ...

Continue reading How to Eliminate Student Loan Debt BEFORE Starting College

March 6, 2024

How to Make the Most of Your Military Benefits

By Tex Freitag

Armed services benefits encompass a wide range of offerings, from education support to healthcare and retirement plans. However, making the most of these military benefits requires strategic planning and awareness. This guide will explore five tips ...

Continue reading How to Make the Most of Your Military Benefits

December 1, 2023

An Overview of the Most Common Student Loan Options

By Enero Febrero

Do you need a student loan? Do you know what kind of student loan you want? Student loans are a confusing subject. And these days, most college students are relying on student loans to help meet the rapidly rise of cost of attendance at colleges ...

Continue reading An Overview of the Most Common Student Loan Options

September 27, 2023

Tips to Help College Students Prepare for Their Future

By Sabado Domingo

You may already be in the middle of your degree program, and as important as your education is, there are other aspects of your future you need to consider. But since you're already busy going through your degree, you might be thinking you don't have ...

Continue reading Tips to Help College Students Prepare for Their Future

July 28, 2023

Savings Tips for High School Grads: 6 Ways to Kick-Start Your Savings

By Sabado Domingo

Congratulations! If you haven't graduated already, it won't be long before you can finally say that you've passed every subject, and survived countless teachers from hell. And maybe even a pretty wild campus life! But you're now entering a new era: ...

Continue reading Savings Tips for High School Grads: 6 Ways to Kick-Start Your Savings

May 31, 2023

8 Things Employers Look for Beyond a College Degree

By Anum Yoon

You're about to graduate from college, or maybe you already have your degree and are looking for employment. Be proud of your degree -- you earned it through several years of hard work. Hopefully, that translates into a good job in your field of ...

Continue reading 8 Things Employers Look for Beyond a College Degree

May 2, 2023

Is a Master’s Degree in Education Worth It? 7 Key Questions to Ask

By Sabado Domingo

So you're thinking about getting your master's degree in education, but you're not sure where to start - or even whether a master's degree in education is worth it. Well, there are so many things to consider: For example, should your college ...

Continue reading Is a Master’s Degree in Education Worth It? 7 Key Questions to Ask

March 22, 2023

The Parents’ Guide to Helping Your Child Choose a College

By Sabado Domingo

Choosing a college is one of the most daunting decisions young adults face. That's why it's important for parents to offer advice and guidance. It's also important for families to seek advice from high school guidance offices and family friends. ...

Continue reading The Parents’ Guide to Helping Your Child Choose a College

November 23, 2022

How to Know if You’re Eligible for 2022 Student Loan Forgiveness

By Sabado Domingo

One-time student loan forgiveness could reach millions of borrowers by the end of this year. And some may be able to take advantage of student loan relief eligibility immediately. This year, President Biden announced that Pell Grant recipients who ...

Continue reading How to Know if You’re Eligible for 2022 Student Loan Forgiveness

September 29, 2022

  • 1
  • 2
  • 3
  • 4
  • Next Page »

Copyright © 2025 Len Penzo dot Com · All Rights Reserved · Designed by Nuts and Bolts Media

© Len Penzo dot Com 2008–2025