{"id":1745,"date":"2022-12-29T00:36:32","date_gmt":"2022-12-29T06:36:32","guid":{"rendered":"http:\/\/fitbuxarticles.fitbux.com\/?p=1745"},"modified":"2025-02-06T09:02:18","modified_gmt":"2025-02-06T15:02:18","slug":"spotting-student-loan-scams","status":"publish","type":"post","link":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/","title":{"rendered":"Spotting Student Loan Scams"},"content":{"rendered":"
\n
\n
\n
\n
\n
\n

We\u2019ve come across certain companies with questionable business practices and wanted to share our thoughts to make sure our readers don\u2019t fall victim to these companies and their practices. There are three primary types of student loan scams:<\/strong><\/p>\n

    \n
  1. Those promising student loan forgiveness.<\/strong><\/li>\n
  2. Financial “Experts”<\/a> claiming to save their clients $xx,xxx.<\/strong><\/li>\n
  3. Student loan refinance<\/a> companies saying you save $x,xxx by refinancing.<\/strong><\/li>\n<\/ol>\n

    This article focuses on the first type of scam.\u00a0 These scams typically target student loan forgiveness plans and public service loan forgiveness (PSLF)<\/a>.\u00a0 If you would like to learn more about the student loan refinance “scam” be sure to check out our free student loan refinance webinar<\/a>.<\/strong><\/p>\n

    Table of Contents:<\/h2>\n
      \n
    1. Background Of Student Loan Scams<\/a><\/li>\n
    2. What to Watch Out For<\/a><\/li>\n
    3. What You Can Do<\/a><\/li>\n<\/ol>\n

      <\/a><\/p>\n

      Background Of Student Loan Scams<\/h2>\n

      Student loan scams typically target borrowers who seek income-driven repayment<\/a> (\u201cIDR\u201d) plans. These companies say they provide services that they believe borrowers\u2019 \u201cneed\u201d help with. For instance:<\/p>\n

      1- Navigating across the different IDR plans and help filing the appropriate paperwork:<\/strong> These Student loan scams offer to file the paperwork on the borrower\u2019s behalf and charge upfront fees that can run into the hundreds of dollars. However, these forms are publicly available and are free to fill out on the Federal Government\u2019s website (studentloans.gov<\/a>).<\/p>\n

      Moreover, doing it electronically on the government\u2019s website allows you to also directly link your tax returns from the IRS. This provides a much more efficient processing of the application. The online form is fairly straightforward so you shouldn’t pay hundreds of dollars for someone to do it for you.\u00a0 However, we see value offering advice as to which IDR plan may be best for you. FitBUX<\/a> offers this advice for free.<\/p>\n

      2- Offer “package” including the initial \u201cpaperwork filing service\u201d along with other services and fees:<\/strong> Student loan scams tend to offer a more “comprehensive package.”\u00a0 This often includes student loan “help” plus random things like key ring and luggage protection, every-day grocery services, auto-buying discounts, etc\u2026, which in the end can pile up to fees totaling more than a thousand dollars.<\/p>\n

      3- These companies will collect monthly payments<\/strong>\u00a0throughout the repayment term: <\/strong>This results in huge confusion to borrowers. Many borrowers assume these fees are meant to fulfill their IDR payments, when in fact, the monthly fee is going to the pockets of the student loan relief company.<\/p>\n

      Unfortunately, in many of the reported cases, the borrowers were \u201cleft holding the bag.\u201d Complaints to the Federal Trade Commission (\u201cFTC\u201d) against these companies include:<\/p>\n

        \n
      1. Allegations that borrowers were placed into IDR plans but failed to make payments due to confusion or misguided directions,<\/li>\n
      2. Many believed they were enrolled into an IDR plan but remained on the standard 10-year repayment plan instead; and<\/li>\n
      3. Borrowers were completely unaware of the potential tax liability associated with the IDR<\/a> plans.<\/li>\n<\/ol>\n

        <\/a><\/p>\n

        What to Watch Out For<\/h2>\n

        1- Avoid companies with aggressive and misleading marketing materials.<\/strong> Student loan scams send official-looking mailers.\u00a0 These mailers appear to look like statements or notices from your loan servicer. Be sure to look at the fine print<\/p>\n

        2- Watch out for \u201cfluff\u201d press releases.<\/strong> These companies can come out with multiple press releases times each month to generate web traffic. The content can be syndicated through legitimate online media sources so be sure to look out for disclosures.<\/p>\n

        3- They list a toll-free number where they are available to chat 24 hours a day, 7 days a week<\/strong>. While it sounds convenient at first, this also feels like an insidious way of \u201cbaiting\u201d someone to visit their website.<\/p>\n

        4- Emailing them<\/strong> to find out about their fees and receiving no response<\/strong> (we tried\u2026)<\/p>\n

        If you are considering contacting a company to help with your student loan repayment strategy, be sure to go with a company that is recommended to you or do your own due diligence<\/a>…
        \n        <\/a><\/p>\n

        What You Can Do<\/h2>\n

        1- Check the Better Business Bureau<\/strong> site and see if they are accredited by the BBB.\u00a0 Also, read the reviews that are available (https:\/\/www.bbb.org\/en\/us<\/a>).<\/p>\n

        2- Search the FTC\u2019s case database<\/strong> to see if a given company is on the FTC\u2019s radar for complaints and abuses (https:\/\/www.ftc.gov\/enforcement\/cases-proceedings<\/a>).<\/p>\n

        3- Check the quality\/level of user feedback at a company\u2019s website.<\/strong> Beware of companies with only 5 to 10 user reviews even though they brag of having helped tens of thousands of individuals. If you are curious about how users rate us and our services, check out our user reviews<\/a>\u00a0and our Facebook Group <\/a>for examples.<\/a><\/p>\n

        When it comes to your student loans, we suggest consulting with experts who work for you and with the best intentions for your future in mind. If you\u2019d like to schedule a free chat with one of our FitBUX Coaches\/Student Loan Planners<\/a>, we\u2019re always here to help.<\/strong><\/p>\n

        Our FREE student loan planners<\/a> have helped thousands of Young Professionals manage and eliminate over $950 million in student loans. We help you develop your plan for free\u00a0because\u00a0planning your financial future should not cost you your financial future.<\/strong><\/p>\n

        If you’d like to read more articles on money, be sure to check out our main blog page<\/a>.<\/strong><\/p>\n

        By Edmund Lau, CFA<\/a>, Co-Founder of FitBUX<\/a><\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

        We\u2019ve come across certain companies with questionable business practices and wanted to share our thoughts to make sure our readers don\u2019t fall victim to these companies and their practices. There are three primary types of student loan scams: Those promising student loan forgiveness. Financial “Experts” claiming to save their clients $xx,xxx. Student loan refinance companies […]<\/p>\n","protected":false},"author":1,"featured_media":1750,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[185,183],"tags":[160,145,121],"class_list":["post-1745","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan-forgiveness","category-student-loan-repayment","tag-fitbux-student-loan-help","tag-student-loan-forgiveness","tag-student-loan-repayment","post-wrapper","thrv_wrapper"],"yoast_head":"\nSpotting A Student Loan Scam - By FitBUX<\/title>\n<meta name=\"description\" content=\"This article summarizes the most common student loan scams, what to watch out for and what to do so you aren't a victim or a student loan scam\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Spotting Student Loan Scams\" \/>\n<meta property=\"og:description\" content=\"This article summarizes the most common student loan scams, what to watch out for and what to do so you aren't a victim or a student loan scam\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/\" \/>\n<meta property=\"og:site_name\" content=\"FitBUX Articles\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fitbuxofficial\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/groups\/FitBUXOfficialGroup\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-29T06:36:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-06T15:02:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2018\/05\/scam-alert.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Joseph Reinke, CFA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fitbuxofficial\" \/>\n<meta name=\"twitter:site\" content=\"@fitbuxofficial\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Joseph Reinke, CFA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/\"},\"author\":{\"name\":\"Joseph Reinke, CFA\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#\\\/schema\\\/person\\\/1a5bd7a1ddaf4a003cde1ecc743e4cf7\"},\"headline\":\"Spotting Student Loan Scams\",\"datePublished\":\"2022-12-29T06:36:32+00:00\",\"dateModified\":\"2025-02-06T15:02:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/\"},\"wordCount\":884,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/05\\\/scam-alert.jpg\",\"keywords\":[\"FitBUX student loan help\",\"Student Loan Forgiveness\",\"Student Loan Repayment\"],\"articleSection\":[\"Student Loan Forgiveness\",\"Student Loan Repayment\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/\",\"url\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/\",\"name\":\"Spotting A Student Loan Scam - By FitBUX\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/05\\\/scam-alert.jpg\",\"datePublished\":\"2022-12-29T06:36:32+00:00\",\"dateModified\":\"2025-02-06T15:02:18+00:00\",\"description\":\"This article summarizes the most common student loan scams, what to watch out for and what to do so you aren't a victim or a student loan scam\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/05\\\/scam-alert.jpg\",\"contentUrl\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/05\\\/scam-alert.jpg\",\"width\":\"1000\",\"height\":\"707\",\"caption\":\"Student Loan Reviews\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/spotting-student-loan-scams\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Spotting Student Loan Scams\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/\",\"name\":\"FitBUX Articles\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#organization\",\"name\":\"Fitbux\",\"url\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/FitBux_logo-3-09-e1631548478225.png\",\"contentUrl\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/FitBux_logo-3-09-e1631548478225.png\",\"width\":351,\"height\":108,\"caption\":\"Fitbux\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/fitbuxofficial\\\/\",\"https:\\\/\\\/x.com\\\/fitbuxofficial\",\"https:\\\/\\\/www.instagram.com\\\/fitbuxofficial\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/fitbux\",\"https:\\\/\\\/www.pinterest.com\\\/fitbuxinc\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCQA-iD8NkfXVaavtrLkV8cA\\\/featured\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#\\\/schema\\\/person\\\/1a5bd7a1ddaf4a003cde1ecc743e4cf7\",\"name\":\"Joseph Reinke, CFA\",\"description\":\"Joseph Reinke is a Chartered Financial Analyst (CFA) Charter Holder and founder of FitBUX which has helped over 14,000 young professionals on their journey to financial freedom. Joseph has been personally investing since he was 12 years old. In addition, he has experience in student loans, mortgages, wealth management, investment banking, valuation, stock trading, and option trading. He has been on 100s of podcast and has been invited to 100s of universities to discuss financial planning with their soon to be graduates.\",\"sameAs\":[\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/joseph-reinke-bio-page\\\/\",\"https:\\\/\\\/www.facebook.com\\\/groups\\\/FitBUXOfficialGroup\",\"https:\\\/\\\/www.instagram.com\\\/fitbuxofficial\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/jreinke12\\\/\",\"https:\\\/\\\/x.com\\\/fitbuxofficial\",\"https:\\\/\\\/www.youtube.com\\\/@fitbux\"],\"honorificSuffix\":\"CFA\",\"birthDate\":\"1983-05-01\",\"gender\":\"male\",\"knowsAbout\":[\"Finance\",\"real estate\",\"investments\",\"student loans\",\"financial planning\"],\"jobTitle\":\"CEO & Founder of FitBUX\",\"worksFor\":\"FitBUX\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Spotting A Student Loan Scam - By FitBUX","description":"This article summarizes the most common student loan scams, what to watch out for and what to do so you aren't a victim or a student loan scam","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/","og_locale":"en_US","og_type":"article","og_title":"Spotting Student Loan Scams","og_description":"This article summarizes the most common student loan scams, what to watch out for and what to do so you aren't a victim or a student loan scam","og_url":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/","og_site_name":"FitBUX Articles","article_publisher":"https:\/\/www.facebook.com\/fitbuxofficial\/","article_author":"https:\/\/www.facebook.com\/groups\/FitBUXOfficialGroup","article_published_time":"2022-12-29T06:36:32+00:00","article_modified_time":"2025-02-06T15:02:18+00:00","og_image":[{"width":1000,"height":707,"url":"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2018\/05\/scam-alert.jpg","type":"image\/jpeg"}],"author":"Joseph Reinke, CFA","twitter_card":"summary_large_image","twitter_creator":"@fitbuxofficial","twitter_site":"@fitbuxofficial","twitter_misc":{"Written by":"Joseph Reinke, CFA","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/#article","isPartOf":{"@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/"},"author":{"name":"Joseph Reinke, CFA","@id":"https:\/\/www.fitbux.com\/articles\/#\/schema\/person\/1a5bd7a1ddaf4a003cde1ecc743e4cf7"},"headline":"Spotting Student Loan Scams","datePublished":"2022-12-29T06:36:32+00:00","dateModified":"2025-02-06T15:02:18+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/"},"wordCount":884,"commentCount":0,"publisher":{"@id":"https:\/\/www.fitbux.com\/articles\/#organization"},"image":{"@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2018\/05\/scam-alert.jpg","keywords":["FitBUX student loan help","Student Loan Forgiveness","Student Loan Repayment"],"articleSection":["Student Loan Forgiveness","Student Loan Repayment"],"inLanguage":"en","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/","url":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/","name":"Spotting A Student Loan Scam - By FitBUX","isPartOf":{"@id":"https:\/\/www.fitbux.com\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/#primaryimage"},"image":{"@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2018\/05\/scam-alert.jpg","datePublished":"2022-12-29T06:36:32+00:00","dateModified":"2025-02-06T15:02:18+00:00","description":"This article summarizes the most common student loan scams, what to watch out for and what to do so you aren't a victim or a student loan scam","breadcrumb":{"@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/#primaryimage","url":"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2018\/05\/scam-alert.jpg","contentUrl":"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2018\/05\/scam-alert.jpg","width":"1000","height":"707","caption":"Student Loan Reviews"},{"@type":"BreadcrumbList","@id":"https:\/\/www.fitbux.com\/articles\/spotting-student-loan-scams\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.fitbux.com\/articles\/"},{"@type":"ListItem","position":2,"name":"Spotting Student Loan Scams"}]},{"@type":"WebSite","@id":"https:\/\/www.fitbux.com\/articles\/#website","url":"https:\/\/www.fitbux.com\/articles\/","name":"FitBUX Articles","description":"","publisher":{"@id":"https:\/\/www.fitbux.com\/articles\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fitbux.com\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.fitbux.com\/articles\/#organization","name":"Fitbux","url":"https:\/\/www.fitbux.com\/articles\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.fitbux.com\/articles\/#\/schema\/logo\/image\/","url":"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2021\/09\/FitBux_logo-3-09-e1631548478225.png","contentUrl":"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2021\/09\/FitBux_logo-3-09-e1631548478225.png","width":351,"height":108,"caption":"Fitbux"},"image":{"@id":"https:\/\/www.fitbux.com\/articles\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/fitbuxofficial\/","https:\/\/x.com\/fitbuxofficial","https:\/\/www.instagram.com\/fitbuxofficial\/","https:\/\/www.linkedin.com\/company\/fitbux","https:\/\/www.pinterest.com\/fitbuxinc\/","https:\/\/www.youtube.com\/channel\/UCQA-iD8NkfXVaavtrLkV8cA\/featured"]},{"@type":"Person","@id":"https:\/\/www.fitbux.com\/articles\/#\/schema\/person\/1a5bd7a1ddaf4a003cde1ecc743e4cf7","name":"Joseph Reinke, CFA","description":"Joseph Reinke is a Chartered Financial Analyst (CFA) Charter Holder and founder of FitBUX which has helped over 14,000 young professionals on their journey to financial freedom. Joseph has been personally investing since he was 12 years old. In addition, he has experience in student loans, mortgages, wealth management, investment banking, valuation, stock trading, and option trading. He has been on 100s of podcast and has been invited to 100s of universities to discuss financial planning with their soon to be graduates.","sameAs":["https:\/\/www.fitbux.com\/articles\/joseph-reinke-bio-page\/","https:\/\/www.facebook.com\/groups\/FitBUXOfficialGroup","https:\/\/www.instagram.com\/fitbuxofficial\/","https:\/\/www.linkedin.com\/in\/jreinke12\/","https:\/\/x.com\/fitbuxofficial","https:\/\/www.youtube.com\/@fitbux"],"honorificSuffix":"CFA","birthDate":"1983-05-01","gender":"male","knowsAbout":["Finance","real estate","investments","student loans","financial planning"],"jobTitle":"CEO & Founder of FitBUX","worksFor":"FitBUX"}]}},"_links":{"self":[{"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/posts\/1745","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/comments?post=1745"}],"version-history":[{"count":5,"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/posts\/1745\/revisions"}],"predecessor-version":[{"id":16956,"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/posts\/1745\/revisions\/16956"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/media\/1750"}],"wp:attachment":[{"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/media?parent=1745"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/categories?post=1745"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fitbux.com\/articles\/wp-json\/wp\/v2\/tags?post=1745"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}