Many young people with student loan debt say they've had to put off major life goals like getting starting a family, saving for retirement, or buying a home. 1 Many would jump at the chance to pay off their loans faster and get on with their lives. Others are looking for ways to reduce their monthly payment to free up some money for their essentials.

Short of winning the lottery, refinancing is one of the most effective ways to ease the burden of paying off student loans. However, many borrowers don't know how or where to start.

While refinancing my own loans, it was a stressful situation to navigate, even with the help of my parents. Coming out of school with a $200,000 degree but only a $40,000 annual salary was a tough pill to swallow, and I wasn't alone - several of my friends found themselves in a similar situation. Between refinancing myths and the endless trail of online lender forms, it's a process that can create a lot of anxiety.

Credible is working to change all of that by simplifying the refinancing process. Instead of hopping from lender to lender and form to form looking for a good rate, Credible provides a one-stop shop where you can connect with a variety of vetted lenders and get real rates in about two minutes, without affecting your credit score.

Getting started on Credible is easy - after answering a few questions about themselves, eligible borrowers see real rates from lenders they're prequalified with. Other websites that claim to help borrowers often have some hidden drawbacks -- like not showing actual rates, or favoring one lender over the other. Credible puts real options in front of you, so you can make the choice that's the best with with your goals and needs.

Because a growing number of lenders are competing to refinance students loans, comparing rates can help you find the best deal. If you don't check rates with more than one lender, you may miss out on a better rate. With Credible, you don't have to go to multiple lender sites and fill out the same information over and over again. Once you've provided a little information about yourself, much of the legwork is done for you. Because the Credible marketplace is integrated with lenders and credit bureaus, they can connect you with multiple lenders at once. Also, checking rates generates only a "soft inquiry" that won't affect your credit score. It is a risk-free way to see what your options are, and your personal information is never shared with a lender unless you see an option you want to move forward with.

Often, borrowers are rejected when they apply directly to a lender. When this happens, they may assume that refinancing is not an option. But every lender has their own qualifications for refinancing, so getting turned down by one lender doesn't mean you're not eligible for others. One of the benefits of the Credible marketplace is that you have access to many lenders. When you come to Credible, you increase your chances of finding a lender that will work with you.

Whether your goal is to slash your interest rate, reduce your monthly payments, or pay your loans off faster, Credible can help you explore your options. Clients who refinance into loans with shorter repayment terms can expect to save an average of $18,000 2 over the lifetime of their loans. Even though I've almost paid off my loans, Credible is the kind of service that I wish I had encountered sooner. If you're looking to get control of your debt through refinancing, Credible can help make that possible.


2Credible Blog

Shopping takes an eternity! I see something that looks cute on a mannequin, but on me, it's all wrong. Too baggy, too tight, or just plain ugly. I end up taking things home and wanting to return them, and who wants that! They might as well all come with a warning: "objects will fit much worse than they appear." Who has time to make returns at the store or send back clothes that you order online? That's why I was so excited to hear about a new service from Le Tote called Le Tote Select, an online personal shopping service that makes finding your perfect style easier than ever.

Le Tote Select is a service that uses in-house personal stylists in combination with a super smart fashion technology to get higher quality, better fitting, and more personalized clothes to your door. By filling out a simple but comprehensive fashion questionnaire, they're able to put together a box filled with clothing that's hand-selected to fit your style, silhouette, and schedule. They ship you clothes and accessories, then you send back what you don't like, and keep and purchase what you do like, all for only a $20 stylist fee that gets credited to your purchases. This service sounded like it was made for me, so I decided to try it out.

Signing up and filling out their style profile couldn't have been easier. I chose my favorite tops, pants, dresses, jewelry, and favorite colors and entered my size information. The fit also was pretty amazing, considering I'm a different size in almost every single brand. Then, I picked a box theme and checked out. Simple as that!

My clothes came conveniently to my door a few days later. When my clothes came, I was eager to try everything on and everything fit perfectly. That never happens! I picked a dress, a pair of slacks, and a top to purchase, and sent back the rest in their pre-paid bag.

Le Tote Select is such a fashion life-saver. I found my perfect fashion fix without spending hours trying on and returning items at the store. It truly takes the stress out of finding the right size and style. Le Tote Select knows my style better than I do, and I feel great! For just $20 a box, that's every woman's dream come true. Follow this link to sign up with Le Tote Select today!

Nothing makes me happy like a good old-fashioned magazine. And I don't mean checking out the latest People on my iPad. A few weeks ago, while performing the not exciting task of packing up my apartment to move across town, I discovered something that completely made up for the general agony of moving.

In an old box from about 20 years ago, I found a library of ancient fashion and beauty mags. It felt like opening a time capsule from the 90s.

Immediately, I abandoned my packing duties, poured a glass of wine, and brought a stack of old issues into the living room. I was overdue for some inspiration, throwback-style. I didn't know it, but I was about to embark on an educational journey—one that would begin with some awful skin care advice (and unfortunate consequences), but end with a discovery nothing short of miraculous. I will get to the miraculous discovery: but first, the awful advice.

In a 1993 "letters to the beauty editor" feature in one magazine, a reader had sent in a question about getting rid of blackheads at home. I'd had pretty amazing skin most of my life, but at that moment, my complexion was experiencing some weirdness. My pores were huge. And worse, the skin around my nose and chin was riddled with blackheads, which, despite my best efforts, I couldn't get rid of. From so-called pore-cleansing strips and toners to gels and drying lotions, I'd explored dozens of options in the way of products. Nothing worked for me.

Eager to pull a DIY fix, I read the advice: a step-by-step how-to on removing blackheads with one's bare hands. (The gist of it: you "loosen" the pores with a hot washcloth for a couple of minutes before squeezing the blackheads out with your fingernails.) Magazine in hand, I marched into my bathroom, pulled out my let's-be-real magnifying mirror, and went to work.

Spoiler alert: I failed miserably.

I did manage to seriously irritate my skin. There was a lot of redness and a new pimple or two, but the blackheads didn't budge.

Determined to find a secret weapon for getting rid of blackheads, I tried the all-knowing Internet. It didn't take me long to learn that, to get rid of blackheads, one must first understand what they are: a form of acne.

What comes next isn't rocket science: to treat acne, you need an effective acne product. And where would one find that? I knew that the drugstore probably wasn't the place. So I looked into the latest line of products from a company you have no doubt heard of: Proactiv.

I found out that Proactiv just launched a line called ProactivMD, powered by an ingredient no other acne system has: Adapalene—the first OTC acne-fighting ingredient in more than 30 years. What makes it Proactiv's best product to date is this ingredient, a vitamin-A derived retinoid which helps restore the skin's tone and texture by clearing acne. It gets to the pore in just 5 minutes. This treatment system delivers a ton of benefits, such as speeding up acne healing, stopping new acne from forming, and even preventing blackheads and whiteheads from forming. It unblocks and shrinks clogged pores so that the skin appears clearer and brighter. With a deep cleansing face wash, a balancing toner, and a daily oil control SPF 30 moisturizer, ProactivMD is designed to clear acne with the power of prescription.

Once I started using ProactivMD, change happened quickly. After just a few weeks, my pores went from looking monstrous to non-existent. My blackheads started to disappear. I also began to notice a youthful glow I had not seen in many, many years. †† It's not just me who thinks ProactivMD is one of the greatest, does-what-it-says-it-will products of all time. Turns out, in clinical studies, Adapalene provided nearly a 60% average reduction in acne lesions after 12 weeks, which will continue to improve with further use. That's huge. If ProactivMD doesn't work, there's a money back guarantee so you don't have to worry. And if you're anything like me, you will consider it the best money you've ever spent.

Update: The awesome team at Proactiv is extending a special offer to our readers! Follow this link to sign up for ProactivMD for as low as $19.95 AND get your choice of a free gift - Proactiv+ Green Tea Moisturizer or the Skin Purifying Mask!

††Individual results may vary

Presented by Proactiv®

When I'm bored, I have the habit of Facebook stalking myself. I know, it sounds lame, but it's funny to see how much you change over time. But the one thing I noticed about all of my pictures was not how much fun I was having, but my terrible breakouts. All the stress (and pore-clogging makeup) took a toll on my face.

While I knew I had an occasional breakout problem, I didn't realize how bad it was until I saw picture after picture of red, irritated skin. I had tried almost everything under the sun: from skin care aisle solutions to strong prescription medications, but they didn't always help, and sometimes made things worse. Then when I resorted to some all-natural remedies I'd read about online like honey and oatmeal, they weren't strong enough. I've always had trouble finding the right acne treatment for my very sensitive skin. I wanted something with the strength of a prescription but with the gentleness and convenience of an over-the-counter treatment.

Seeing those pictures inspired me to finally get my acne under control. So I decided to go to the professionals: Proactiv. They've been around forever, we've all seen the commercials at least one time on a lazy Saturday afternoon. Needless to say, I was a bit skeptical at first, but having tried everything else, I wanted to give them a chance. At first, I thought it might also be too harsh on my skin, but I did some research and found out that Proactiv has a line called ProactivMD, which is effective for all skin types. My super strong prescriptions, I found out, were irritating my skin, but ProactivMD has a powerful ingredient called adapalene gel, a vitamin-A derived retinoid that fights acne at the cellular level.

I decided to give ProactivMD a try, and I was pleasantly surprised by how quickly it worked. Its combination therapy game me a fully balanced skincare regimen, which included a cleanser, toner, hydration and sun protection for overall skin health. And I didn't even have to set foot in the pharmacy! Within a couple of weeks, my skin was smooth, soft, and even glowing a little bit!

I'm so happy with my new skin that I can't wait to start taking tons of pictures again. ProactivMD is really better than everything I've tried. The best part is, I know that I have an acne solution that won't let me down. If you have sensitive skin like me, don't rule out powerful medications because you're afraid of irritation. ProactivMD was just what I needed to stay in the clear.

Update: The awesome team at Proactiv is extending a special offer to our readers! Follow this link to sign up for ProactivMD for as low as $19.95 AND get your choice of a free gift - Proactiv+ Green Tea Moisturizer or the Skin Purifying Mask!

Presented by Proactiv®

Everyone is unique, and that also means we have unique skin. And different environmental or hormonal changes can affect our skin in different ways, often causing acne or irritation. Sometimes, I just didn't understand why I broke out when I continued to use products that were supposedly designed to "prevent" breakouts. So I kept returning to my dermatologist, who knew way more about my skin than I did.

Dermatologists have had years of training to know which prescription products will be best for different types of skin, whether oily, dry, or sensitive. But after all of the hassles of making appointments and waiting for my expensive prescriptions, I wanted to find an over-the-counter product that would work just as well. So when I found out that leading acne skincare company, Proactiv, was harnessing the power of an advanced retinoid in their new over-the-counter product line, ProactivMD, I knew I had to try it.

The secret lies in adapalene gel, which Proactiv calls their "miracle molecule." This vitamin-A derivative is the first-ever retinoid ingredient approved by the FDA for over-the-counter use for treatment of acne. It works at the cellular level to fight acne, and prevent future breakouts. Through exfoliation, this powerful ingredient shrinks pores and reduces redness and inflammation. No wonder dermatologists have been prescribing retinoid-based acne treatments for decades.

What I love about ProactivMD is that it's a way to bring my dermatologist's skin expertise home in one easy-to-use regimen. ProactivMD's combination therapy is a fully balanced skincare regimen that includes a cleanser, toner, hydration and sun protection, plus the prescription power of adapalene. After using ProactivMD, you'll see your skin improve in tone and texture and look clearer and brighter.

ProactivMD's adapalene is a product that combines the power of prescription-grade ingredients with the ease of an over-the-counter treatment. It allows acne-sufferers like me to feel confident that they are using doctor-developed formulas to stay in the clear. I love my dermatologist, but I'm grateful to have found ProactivMD.

Update: The awesome team at Proactiv is extending a special offer to our readers! Follow this link to sign up for Proactiv MD for as low as $19.95 AND get your choice of a free gift - Proactiv+ Green Tea Moisturizer or the Skin Purifying Mask!

Presented by Proactiv®

I've always had a problem hanging onto things for much longer than I really needed to. Especially, when it came to clothes. When I was younger, I always had music and dance recitals, soccer games, and cheerleading competitions. All the costumes, uniforms and special attire I had to wear for those events were sentimental for me, so I would keep EVERYTHING to keep my favorite childhood memories alive. That habit stuck with me through high school and college from my prom dress to my graduation gown. Now at 29, you can imagine how that added up over the years!

I recently moved in with my boyfriend and it's been quite an adjustment to share space. Sharing a closet was our biggest wake up call. He's a minimalist and I'm, well, "sentimental." He has always loved my style but now realized I had so many clothes, almost half of them he said he's never seen me wear over the 2 years we've known each other. Was I a clothing hoarder?! He was totally right.

Not only were we adjusting to our newly shared space, we were never home at the same time.. He just finished his Master's program, so he was spending most of the time in meetings and adjusting to city life, and I just got a promotion at work. I wanted to be supportive and make our home comfortable for the both of us. So I went through my closet over the next week, seeking through each article of clothing to determine whether or not it was worth keeping or to donate it to The Bowery Mission.

After a long week of cleansing my closet and all my emotional attachment baggage, we now had a decent "his and hers" closet set up. We made so much progress. The next thing on my now anal retentive mind was how was I going to maintain my new closet. That's where Le Tote came in.

I was speaking with my coworker about the big move in with my guy and my concern about cluttering up our shared closet space. She told me it was similar for her when she moved in with her husband and understood the importance of respecting each other's space. She recommended I try Le Tote. For her birthday, her sister bought her a subscription to Le Tote, a clothing rental service. She said it was a big surprise to her since she's never used a service like that before, but she loved that she would have a nice, customized package waiting at home every few weeks. She said it would be perfect for me!

I went on the website and signed up for my first tote. Le Tote has brands from Lucky Brand and Nike to Vince Camuto and Nine West. I picked out a beautiful, flowy Free People skirt, 2 tops, a pair of Rebecca Minkoff earrings and a scarf. 3 garments and 2 accessories. Within the next week, my tote arrived! I loved all the items, especially the skirt. I kept spinning around the apartment in it and my boyfriend thought I was the cutest thing ever. After spending a few days with the items, I was ready to return them all, except for the skirt. I was keeping that skirt! For any items you want to keep, Le Tote offers a special discount off the retail price of the item. This particular item was nearly 40% off the retail price! Score!

Le Tote helped me try new clothes without having to worry about finding space to store them. I didn't even have to put them through the laundry either! I just folded up all of my items after I was done with them, placed them in the Le Tote return bag, and drop it in the mailbox. Easy! Le Tote helped me to keep my wardrobe refreshed without all the baggage. It's now kind of a big event when my Le Tote box comes in because my boyfriend knows he gets a private fashion show from me at least once a month. Now we're creating our own sentimental memories with my clothes together! From my boyfriend and I both, thanks Le Tote!

UPDATE: The folks at Le Tote are offering subscriptions starting at $39/month! Shipping is always free, so follow this link to order yours today!