{"id":1932,"date":"2018-08-20T21:59:43","date_gmt":"2018-08-21T02:59:43","guid":{"rendered":"http:\/\/fitbuxarticles.fitbux.com\/?p=1932"},"modified":"2023-01-03T15:30:27","modified_gmt":"2023-01-03T21:30:27","slug":"cost-of-living-student-loans","status":"publish","type":"post","link":"https:\/\/www.fitbux.com\/articles\/cost-of-living-student-loans\/","title":{"rendered":"Cost of Living And Your Student Loans"},"content":{"rendered":"<div id=\"pl-1932\" class=\"panel-layout\">\n<div id=\"pg-1932-0\" class=\"panel-grid panel-no-style\" data-style=\"{&quot;background_display&quot;:&quot;tile&quot;,&quot;cell_alignment&quot;:&quot;flex-start&quot;}\" data-ratio=\"1\" data-ratio-direction=\"right\">\n<div id=\"pgc-1932-0-0\" class=\"panel-grid-cell\" data-weight=\"1\">\n<div id=\"panel-1932-0-0-0\" class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"0\" data-style=\"{&quot;background_image_attachment&quot;:false,&quot;background_display&quot;:&quot;tile&quot;}\">\n<div class=\"so-widget-sow-editor so-widget-sow-editor-base\">\n<div class=\"siteorigin-widget-tinymce textwidget\">\n<p><em>By Joseph Reinke, <\/em><a href=\"https:\/\/www.cfainstitute.org\" target=\"_blank\"><em>CFA<\/em><\/a><em> CEO of <\/em><a href=\"https:\/\/www.fitbux.com\"><em>FitBUX<\/em><\/a><\/p>\n<p>We all want to repay our <a href=\"http:\/\/fitbuxarticles.fitbux.com\/student-loan-articles\/\" target=\"_blank\">student loans<\/a> faster or save for the down payment on our dream house.<\/p>\n<p>While these are great aspirations, one has to look at the entire picture to make the optimal decision(s). For instance, students and new grads sometimes only look for jobs that pay the most. However, cost of living, i.e how much one spends for day-to-day activities where we live, plays a dramatic role.<\/p>\n<p>This article illustrates that point using proprietary data FitBUX recently released about <a href=\"http:\/\/fitpt.fitbux.com\/industry_info\/physical-therapist-salary-by-state\/\" target=\"_blank\">new grad physical therapist salaries<\/a>. We will highlight how \u201clooking past the top line\u201d (ie beyond the advertised salary) could impact your student loan repayment strategy and how much one can save on student loans by being strategic.<\/p>\n<h2><strong>Background And Details For Our Cost Of Living Analysis<\/strong><\/h2>\n<p>Based on our recently released new grad salary data for physical therapists, a Nevada new grad earns, on average, $78,462 per year. For comparison, a new grad in California makes virtually the same on average, $78,362 per year.<\/p>\n<p>We will assume the new grad has $145,000 in student loans at an average rate of 6.3%, all with a 10-year term.<\/p>\n<p>Overall, Nevada\u2019s cost of living is dramatically lower than California&#8217;s: there is no state tax in Nevada, gas is cheaper, rent is lower, sales tax is lower, etc.<\/p>\n<p>For the purposes of our analysis, we will assume this new grad\u2019s cost of living is 10% of what it would be in California, all else being equal.<\/p>\n<h2><strong>What Cost Of Living Differences Mean For Your Student Loans<\/strong><\/h2>\n<p>So how does this translate to dollars and cents?<\/p>\n<p>A Nevada new grad PT would save $7,846 per year (10% of $78,462) vs. a new grad PT in California. While this absolute number may not seem like a lot to some people, let\u2019s now assume that this new grad decides to put that money towards repaying her student loans. That means she will be able to pay an extra $654 dollars per month towards loan repayment ($7,846\/12).<\/p>\n<p>The result\u2026The entirety of her student loans would be repaid <strong>3.5 years earlier<\/strong> and this new grad would <strong>save $20,339!<\/strong><\/p>\n<p>In short, strategic planning goes a long way. Cost of living is only one of the many variables one has to take into account when making significant decisions with a potentially huge financial impact such as crafting a student loan repayment strategy.<\/p>\n<h2><strong>FitBUX, Inc.<\/strong><\/h2>\n<p>If you are interested in developing a student loan repayment plan that is customized to you, you can visit<strong>\u00a0<\/strong><a href=\"http:\/\/www.fitbux.com\/\"><strong>www.fitbux.com<\/strong><\/a><strong>\u00a0and become a member today for free.<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Joseph Reinke, CFA CEO of FitBUX We all want to repay our student loans faster or save for the down payment on our dream house. While these are great aspirations, one has to look at the entire picture to make the optimal decision(s). For instance, students and new grads sometimes only look for jobs [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1941,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1898,185,183],"tags":[197,121],"class_list":["post-1932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-planning-archive","category-student-loan-forgiveness","category-student-loan-repayment","tag-budgeting","tag-student-loan-repayment","post-wrapper","thrv_wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cost of Living And Your Student Loans<\/title>\n<meta name=\"description\" content=\"This article highlights the impact of cost of living on student loan repayment strategies for receint grads, using physical therapists as an 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