If you have an AES student loan (or loans), you've probably wondered how to get a lower interest rate. The bad news: AES will not your lower your interest rate, even if you call and beg. 

But there's good news, too. You can refinance your AES student loan through a private lender. Doing so can yield you a lower monthly payment or massive savings over the life of your loan. Let's talk about the steps you need to take to refinance your AES student loan. 

If you have Mohela student loans, you may be interested in lowering your monthly payments or reducing what you pay overall. If so, refinancing may be a smart option. 

Refinancing is actually pretty simple — believe it or not, you can actually complete the entire process in less than 30 minutes. You can refinance your Mohela student loans with a few steps:

1. researching lenders
2. choosing a lender, and
3. filling out an application.

For many people, asking for a promotion is right behind public speaking on the list of things that cause their palms to sweat and their vision to go bleary.

Yes, it can be intimidating, but knowing how to ask for a promotion can increase your chances of success. Focused preparation can help you feel ready to make the case about why you deserve a promotion. And that's the key — explaining why you've earned a promotion and why promoting you will be good for your organization.

Deciding which law school to attend was a serious nail biter. But figuring out what to actually do with that law degree? 

Eek. Between the presentations from your career services office, phone calls with your college friend who's off saving the world, and the student loan debt balance you've already grown since 1L year, figuring out a career path feels about as easy as lighting a match with your toes. And I know, because I've been there.

You know what they say about first impressions, right? 

Well, there's a good chance you're making a first impression at this very moment, and you might not be coming off as well as you'd like. Recruiters are increasingly using LinkedIn to vet employment candidates, so having a great LinkedIn profile isn't just a vanity project. It's vital to your career. 

Raise your hand if you'd like to increase your student loan balance. Yeah, I didn't think so. 

Unfortunately, many borrowers do exactly that without realizing it when they take advantage of federal programs like income-driven repayment plans, forbearance or deferment. Why? Interest capitalization.