
When and how to refinance a personal loan
If you’re thinking about refinancing a personal loan, check these factors first.
Emmanuel Nyame is a member of Bankrate’s Financial Expert Review Board and CEO of Twelvenets, leading campaigns that drive community and economic growth.
With a background in economics and 16 years of experience, He spent his formative years serving business accelerators and venture capital firms, helping prepare startups for funding opportunities, including through SXSW’s Pitch program, whose finalists have raised over $23.2 billion since 2009. He also serves as a Global Communications and Engagement Specialist at the United Nations Foundation. He has led campaigns and corporate match-donation efforts, raising over $7 million for social impact initiatives.
He is a FERD’s List Europe honoree and two-time nominee for the Global Business Hall of Fame. His success in launching and effectively running a student loan campaign in high school through the Junior Achievement Company Program influenced his career path.
As a Bankrate expert reviewer, Emmanuel provides insights on social and consumer finance, economic policy, and financial planning, helping readers navigate key financial decisions with clarity and impact.
Finance is more than numbers—it’s a tool for empowerment. The right financial decisions can turn ideas into impact and vision into lasting change.
— Emmanuel Nyame
If you’re thinking about refinancing a personal loan, check these factors first.
Secured auto loans are the most common type available.
Companies have more and more incentive to help employees pay off student loans.
Start with these five steps if you’re considering refinancing your student loans.
PSLF forgives a portion of your loans after you’ve made a set amount of payments.
Federal and private student loans have different credit score requirements.