Richard Richtmyer

Minimum credit score: &nbsp;665
Employment: &nbsp;You should be working and have a steady income, or have a written job offer for a position that starts within six months
Finances: &nbsp;Your savings should cover at least two months of expenses
Education: &nbsp;You can only refinance loans taken out for a degree you completed
Current on bills: &nbsp;You need to be current on your rent or mortgage, and you can’t have a bankruptcy or any accounts in collection on your credit report

Spent 20+ years in personal finance.
Student loan and business expert.

Bio and experience

Richard Richtmyer is a journalist with more than two decades of experience. He’s covered student loans, capital markets, investing, real estate, technology, business, government, and politics.

Richard has worked with news organizations ranging from the Associated Press and Bloomberg to CNN and the Anchorage Daily News. Outside of editing and writing, Richard enjoys activities including long-distance motorcycle touring, strenuous mountain hiking and practicing old-fashioned strength exercises to stay fit.

Education

Richard has a bachelor's degree in journalism from SUNY New Paltz.

Articles by Richard Richtmyer

Student Loans

5- and 10-Year Private Student Loan Interest Rates Increase