How to Consolidate Your Student Loan Debt and Save Major Money

Graduating from college is a major milestone that calls for big celebration, like taking a trip around the world before diving into your internship after graduation. But one part of becoming an adult that you won’t celebrate? Starting to pay back your dreaded student loan debt. To help make sense of money matters, we talked to Holly Perez, a money expert at Intuit who’s also the spokesperson for Mint, a management tool that helps people understand how to use their money to achieve their dreams. Read on for Holly’s expert advice to get your finances in order right off the bat.

1. Do your research on rates. Holly says the process for consolidating payments always begins with research (we love the Mint blog and SoFi), and that you should aim to figure out what works best for your specific situation. “Read the fine print and shop around so you can make sure you’re getting a low rate. Know exactly what you’re signing up for,” Holly advises.

Holly also told us that you should check out the interest rates for each of your current loans, so you can evaluate how consolidating them will benefit you. “There’s no guarantee, but you can check with lenders about consolidating your existing loans for a lower interest rate,” Holly says. “This could not only simplify your debt, but might also save you money if you can snag lower interest.”

Know that the loans you consolidate are inseparable. While you can’t pay off your higher interest loans first within a new consolidated loan, you CAN leave a higher interest loan out of those you’re consolidating to pay it off separately (and more quickly). Holly reminds us that that any loans you choose to leave out of consolidation will still be under a 10-year repayment policy, according to the Department of Education.

2. Choose the right repayment strategy. Now that you’ve done your research, Holly stresses the importance of choosing a debt repayment strategy that works for you. Instead of struggling each month to pay high-interest credit card balances, loans, a car payment and more, you might want to consider a single, lower-interest loan. According to Holly, opting for a solution like this will help you “breathe easier knowing you’ve got just one (more affordable) payment to budget for each month.”

However, if you already have credit card debt across multiple cards, it may make sense to consolidate that debt with a personal loan. Holly also says that when it comes to credit cards, you’ll be smart to consider balance transfer options across cards that offer “no or low interest rates for a specific time period, which is often a year.” Doing this can help you get the balance down without accruing even more debt. Hallelujah!

3. Know about and avoid financial red flags. Holly tells us that you should always avoid taking out another personal loan to help cover the costs of your original student loan debt. She also says to be super cautious about fees, telling us “A new loan may come with a lower interest rate, but the loan origination fees may mean it’s actually a wash when it comes to saving money.”

Instead, look for the major benefits of consolidating your payments. For student loans and credit card debt, Holly says these include a single payment with one lower interest rate, a manageable monthly payment, and one due date to remember. She suggests tracking your spending too, since watching your cash is a surefire way to decrease your debt and keep you motivated. You got this!

Are you trying to save money after graduating from school? Tweet us the deets about how you’re doing it @BritandCo!

(Photos via Getty)

Audiences loved the way Greta Gerwig's Little Women brought all four March sisters to life, and Netflix's Anne with an E became so popular that when the show was canceled after season 3, 1.7 million fans signed a petition to revive the series. It all just proves that classic adaptations can make the original story even more powerful.

And the newest movie based on a book is going to be one we think about forever — and not just because of its cast. Emerald Fennell (who you'll recognize from The Crown and her work as writer & director on Satburn) is adapting Emily Brontë's Wuthering Heights and Margot Robbie and Jacob Elordi are leading the cast!

The book, published in 1847, continues to grip readers, and it's become the blueprint for moody complexity — just like Emerald Fennell's Promising Young Woman, which won the Oscar for Best Screenplay thanks to its scathing look at sexual assault. Well, the Em's are coming together for this new adaptation.

Here's everything we know about Emerald Fennell's Wuthering Heights — and your first look at the movie.

Here's Your First Look At 'Wuthering Heights'

The first look at Emerald Fennell's Wuthering Heights is getting some seriously mixed reactions. The photo features a close-up image of someone (maybe Margot Robbie's) with their fingers and a few blades of grass in their mouth.

"CAN NOT WAIT," one Instagram user said, along with a couple fire emojis. But the intimate (and somewhat shocking) image also has some users asking, "what in the saltburn?"

Is Wuthering Heights going to be in theaters?

Focus Features

It appears director Emerald Fennell and producer Margot Robbie are pushing for a theatrical release, which is why they've reportedly turned down a Netflix offer of $150 million.

Despite the fact Netflix co-CEO Ted Sarandos said theatrical releases are "just not our business," and the company has stuck to at-home streaming instead, they did break that pattern for Knives Out: Glass Onion in 2022. The movie appeared in around 600 theaters the day before Thanksgiving, but left a week later ahead of its December 23 debut on the streamer.

Co-CEO Reed Hastings told The Hollywood Reporter that keeping the movie in theaters could have made Netflix more money, but later said they just wanted to "break through the noise" and get movie lovers excited for the film to come to Netflix.

All that to be said, Margot Robbie (whose Barbie made over $1 billion worldwide) and Emerald Fennell (whose Promising Young Woman nabbed her an Oscar win and two other nominations) know how to capture the imaginations of movie lovers everywhere. And it could definitely be in their favor to stick to a theatrical release. Stay tuned for official news on where you can watch Wuthering Heights!

Who's in the new Wuthering Heights movie?

Frazer Harrison/Monica Schipper/Getty Images

Wuthering Heights Cast

The Wuthering Heights movie will be led by Jacob Elordi and Margot Robbie as Heathcliff and Catherine Earnshaw, respectively. Margot will also produce with her production company LuckyChap, which worked behind the scenes on Emerald Fennell's Saltburn and Promising Young Woman.

While some fans were initially excited about the casting, others were concerned about the fact that in the book, Heathcliff is described as "dark skinned." He also tells Nelly that, "I wish I had light hair and a fair skin, and was dressed, and behaved as well, and had a chance of being as rich as he will be!" Um, it looks like Jacob Elordi definitely has fair skin to me.

"Heathcliff is described as a dark-skinned brown man in the book and a major plot point is that he was subjected to racist abuse by his adopted family," one tweet (which has over 8 million views) says. "But yeah sure Jacob Elordi is perfect!"

Another says, "Film studios will say 'We are committed to diverse casting' and then cast Jacob Elordi to play Heathcliff, one of the more famous people of color in literature, whose race is crucial to both his character and the story."

Check back here to see who will play characters like Edgar Linton, Nelly Dean, Isabella Linton, and Lockwood.

When is Wuthering Heights coming out?

Warner Bros. Pictures

Wuthering Heights Release Date

Wuthering Heights will premiere on February 14, 2026. Happy Valentine's Day!

What is Wuthering Heights about?

Amazon

Wuthering Heights Plot

Emily Brontë's Wuthering Heights follows the Earnshaws and the Lintons, who are living in the Yorkshire Moors in the 1880s. Their lives change forever when the Earnshaws take in Heathcliff. Like any good dramatic novel, passion lies beneath proper connections, marriages, and societal expectations — and despite Catherine and Heathcliffe's feelings for each other, they have to choose between security and love.

Check out 16 New Movies Based On Books To Add To Your Watchlist to inspire your next movie night!

Brit + Co may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

This post has been updated.

Joe Goldberg (Penn Badgley) is back for another season of snooping and stalking in New York City, and thanks to the new You season 5 trailer, we know exactly when this new TV show is returning. In addition to showing us characters from the past like Guinevere Beck (Elizabeth Lail), Love Quinn (Victoria Pedretti), and Marienne Bellamy (Tati Gabrielle), Joe straight-up says goodbye to the one person who's always been there: you. Yep, Netflix went there.

“Every season they manage to find new space to make it interesting and relevant,” Penn Badgley told Tudum. “And this season, I think somehow coming back to where it started allowed for it to just become grounded in the way that it needs to also have this kind of spectacular finish.”

Here's the latest update on Penn Badgley's You season 5.

The You season 5 trailer teases the beginning of the end.

The official You season 5 trailer talks about a universal truth: the fact that love tests us. (Gosh, don't I know it.) And TBH, it kind of just reemphasizes that Joe is cuh-razy.

We also get a look at his new love interest Kate, and hear that this "is the last time" Joe's going to be tested. Run girl!!

"Hello, you. Do you remember me? Cause I remember you," Joe asks in the You season 5 teaser, over shots of New York City and Mooney's Books. "Here we are together again, back to where it began."

"A lot has happened these many years together," he continues. "Identities, cities, loves, complications." The trailer is a walk down memory lane for viewers and for Joe as he remembers Beck, Love, and Marienne — and locking them up. Plus some fights and escapes he made along the way.

"All that led me here to now, to where I as always meant to be," he says. "And the one constant, the one thing that has always been there for me, is you. You who have been there the whole time and will be there with me to the end. Goodbye, you."

Okay, this is totally giving me Black Mirror, metaverse vibes, especially since Joe's in his creepy underground bunker with all that blue lighting. I have chills down my spine just watching this!

Is season 5 of You coming out?

Yes, You season 5 is dropping on Netflix April 24, 2025.

We've been waiting for new episodes since season 4 premiered in 2023, but the writers and stars have been planning Joe's ending for much longer. "We have some ideas that we've been talking about pretty much from the beginning," Sera Gamble told EW when she was showrunner in 2023. "It's really the debate about what kind of justice would be fair and appropriate for a guy like Joe. And then do we believe that he would get that kind of punishment? My short answer is like, maybe not from the American system. But there might be other ways. So that's the stuff we're talking about."

But whatever these writers and directors have up their sleeves, Penn Badgley promises You season 5 will come to a "perfect" conclusion. “I would love for people to just be like, ‘Wow, it’s over and I feel good and I don’t want to watch it again,'" he told Harper's Bazaarin March of 2023. And honestly, a perfect ending is all TV fans can hope for these days, right?

Who's in the You season 5 cast?

The final season of You stars Penn Badgley, Madeline Brewer, Anna Camp, Charlotte Richie, and Griffin Matthews.

Are you excited for the final season of You? I cannot wait to see the way Penn Badgley and Netflix bring the show to a close. Follow us on Facebook for the latest You season 5 news — and updates on all your favorite TV shows!

This post has been updated.

Admit it: you rolled your eyes when your friend talked about scoring tickets to see Beyoncé'sRenaissance tour or Taylor Swift's The Eras Tour. You've probably even looked at her sideways when she's shared she pays 50% of her household bills because you don't think modern women should do that.

Whatever your reasoning is, you're aware that you have a habit of judging how your friend spends money and feel like you should stop. But friends shouldn't lie to each other, right? Eh, we've yet to see lying in relationships produce healthy results, but overstepping boundaries is just as worse. This is especially true if your friend doesn't always ask for your financial opinions.

Want to know why you keep doing it even though you're making your friend uncomfortable? Psychiatric Nurse Practitioner Navjot "Navi" Hughesof Empower Mental Health has a few hints so pull up a chair to see what gives!

4 reasons you're lowkey obsessed with how your friends spend money

Jayda Anderson

1. You're using money as a way to compare yourself to your friend.

Seeing it worded like this sounds harsh and is sure to illicit the following responses:

  1. "Are you kidding me? I'd never do that!"
  2. "There's no comparison between my friend and I. I love them too much to do that."
  3. "It's not like I'm hurting my friend when I try to give them advice."

Even if you're not proud of it, there's a reason why comparison feels a embedded. Hughes says you're zeroing in on your friend's finances because of your "mindset." She further explains, "...we compare because money either separates you or brings you together. It's a social comparison because it's one of the most powerful tools to create the life you desire." This checks out if you and your friend are always talking about the kind of futures you want.

Here's the clincher: Hughes says, "Some are motivated by others, and some become jealous and hopeless."

Tima Miroshnichenko

2. The childhood lessons you learned about money are on full display.

Did you grow up hearing "money doesn't grow on trees" or "Anyone who doesn't save their money is being wasteful?" You may not think about it, but plays a role in how you look at other people's habits. Hughes says, "...judgment comes from our social upbringing. Some people have a scarcity mindset, so they hoard all their money." This could explain why you're less likely to spend money on things you consider frivolous while thinking your friend who does has lost a grip on reality.

The other side of this is being in a position where you didn't have to worry about money growing up. "If you are from a wealthier family, you know that money is a tool that flows." But, you're not off the hook from having negative opinions about others. You could still "judge others for not being smart and investing their money," according to Hughes.

Shaunna Levy

3. You may be jealous of your friend or annoyed with their complaints.

You can adore your friend while envying them for having the luxury to do whatever they want with their money. It's not to say they're truly in the position be carefree, but their ability to believe they'll be okay no matter what may make you see green. Then again, you may resent your friend for complaining about financial hardships they're in because of bad choices.

Like Hughes has mentioned earlier, there's so many reasons why everyone judges each other. She reiterates, "Usually, it's a place of jealousy," and it can show up differently based on your friend's circumstances.

"If your friends travel and you can't afford it, it creates discontent," she uses as an example, but "if your friends complain about not having money and bad spending habits, you may be annoyed and frustrated because their habits don't align with their perceived values," she adds.

Kaboompics.com

4. You're unable to handle the same criticism you're dishing out.

It's easy to judge others for doing something we think isn't right, but it's harder to accept the same vein of criticism. Hughes says people who consistently critique their friends' spending habits wouldn't have a hard time paying attention to their own choices if they were genuinely seeking "expert guidance on how to manage money instead of avoiding it."

For example, you could feel envious of the friend who has a good relationship with money while you're always spending it as soon as you get paid. "Some people cannot hold on to cash because they don't feel they deserve it. It's the subconscious programming that prevents them from making changes," says Hughes.

Emma Ripperdan

Here's what to do if you're truly concerned about your friend's finances

Approach the topic delicately

Sometimes we love to pose aggressive interventions with our friends because we "know" them. While this may work in some cases, it could backfire if you're adding to the guilt they're already feeling.

"If they ask for feedback or they complain in a moment, you can get curious and ask questions that allow them to realize their mistakes," suggests Hughes. Don't go thinking this is your shining moment to make your friend change, however.

"Ultimately, it's up to that person to receive feedback. If they don't want the input, it's best not to express your opinion as it doesn't impact you..." Hughes remarks.

Pavel Danilyuk

Here's how to set a firm boundary with a friend who can't keep their opinions to themselves

If you've found yourself on the receiving of constant opinions about how you spend money, we know you're annoyed. We're irritated for you because invasive questions or thoughts about money can ruin a longstanding friendship!

You can say something like, "While I appreciate your concerns, I will figure this out". You must take control of the conversation and be assertive if others are crossing a boundary. This usually reflects a lack of boundaries in relationships beyond finances- so chances are your relationship already lacks boundaries.

Need more money tips? You'll love browsing our articles about budgeting, saving money, and more!

Every Gilmore Girls rewatch gives us new details to love about Lorelai, Rory, and town of Stars Hollow: Lorelai's amazing sense of style, the cozy fall setting, and all the underrated characters we know like the back of our hands. But there are also plenty of moments in the series' 7-season run that fans don't like at all. Here are just a few.

Keep reading for the 10 worst moments in Gilmore Girls, from Rory's multiple affairs to Lorelai just up and ditching Max.

1. Rory sleeping with Dean while he was married to Lindsay.

Warner Bros. Television

The end of season 4 marks one of the first big plot points Gilmore Girls fans hate. Rory loses her virginity to Dean, who (for some reason) she calls "my Dean"...despite the fact he's married to Lindsay. It's a huge moral lapse and shows that Rory genuinely thinks she can always get her way.

2. Rory's affair with Logan in 'Gilmore Girls: A Year in the Life.'

Saeed Adyani/Netflix

You'd think Rory would learn her lesson after hooking up with Dean blew up in her face...but apparently not because in A Year in the Life, she's having an affair with an engaged Logan. Come ON y'all, what are you doing!?

3. Rory dropping out of Yale & stealing a yacht.

Warner Bros. Television

While we're on the topic of Logan and Rory, her impulsive decision to drop out of Yale and commit theft in season 5 (after Logan's dad tells Rory she doesn't have what it takes to be a good journalist) nearly derails her entire life.

4. Lorelai and Rory's rift.

Warner Bros. Television

There's really a butterfly effect in place here because after Lorelai learns Rory drops out of Yale, they have a huge falling out...and barely speak for months. The fact that the entire TV show hinges on Lor and Rory's relationship, and their love for each other, makes this one of the worst Gilmore Girls moments.

5. Literally anything to do with Lorelai and Christopher.

Warner Bros. Television

Christopher is the ultimate Gilmore Girls villain, and he proves over and over again that he won't be there for the Gilmore girls. And that's what makes Lorelai constantly returning to him — especially when someone as constant and caring as Luke is RIGHT THERE — so frustrating.

6. Rory being a horrible journalist.

Warner Bros. TV

Not having pitches prepared and falling asleep while listening to a source? You know what...maybe Mitchum was right and Rory really doesn't have what it takes to be a journalist.

7. Rory missing Lorelai's graduation.

Warner Bros. Television

After Lorelai sacrificed so much for Rory, GG fans agree that Rory choosing her mom's graduation day to visit Jess in New York (when she could have chosen any other day) is one of the worst Gilmore Girls moments. And not only did she miss the ceremony, she lost Lorelai's present too!

8. Jackson's vasectomy disaster.

Warner Bros. Television

When Melissa McCarthy got pregnant in real life, Amy Sherman-Palladino decided to write it into the show...and decided that Jackson would lie about getting a vasectomy and then get Sookie pregnant. Such a strange and icky plotline that viewers are not fans of.

9. Luke hiding April from Lorelai.

Suzanne Hanover/Netflix

Gilmore Girls lovers all agree that Luke is one of their favorite characters...and that the way he handles learning he has a daughter leaves something to be desired. Plus, Luke hiding April's existence from Lorelai? I understand where the Reddit user who considers the plot "unnecessary and lazy" is coming from.

10. Lorelai ditching Max ahead of their wedding.

Warner Bros. Television

Max was genuinely such a good guy (not to mention the fact he proposes to Lor with a thousand yellow daisies!!!), which makes the fact she randomly ghosts him ahead of their wedding so much worse.

11. Lane getting pregnant.

Saeed Adyani/Netflix

First off, let me say that of course there's nothing wrong with wanting to start a family. But GG fans have always felt frustrated by the fact all Lane wanted was to be drummer, then had to shelve those dreams for a bit when she learned she was expecting. Why couldn't she have her cake and eat it too?!

What's your pick for the worst Gilmore Girls moment? Let us know on Facebook!

Spring is my favorite time of year not only for the warmer temperatures, but because it signals a much-needed change in my wardrobe. Where heavy coats and turtlenecks were once in rotation (or, let's be real, t-shirts and sweatpants), light layers and flowy dresses come out to play.

Even in light of this transitional time, I still find myself reaching for boots to pair with any and every outfit I put together! There's a perfect pair of spring boots for you, too, whether you like a Western-inspired look or a more practical walking boot.

Scroll on for the best of this season's spring boots to step out in utter style!

Nordstrom

Dingo Harlee Moto Boots

An easy way to transition moto boots from winter to spring is to snag 'em in a lighter color, as opposed to an all-black pair. These mid-calf boots from Dingo have all the classic details (that go with every outfit!), from the hooped harness to the top buckle.

Anthropologie

Frye Campus Boots

You can also never go wrong with this beloved boot from Frye. The light, banana-colored leather is quite literally the perfect hue for wearing with everything in your spring wardrobe!

Nordstrom

Madewell The Darcy Ankle Boots

If taller spring boots don't speak to your style (or your comfort levels), ankle boots are the way to go! This sleek, pointed pair comes in a handful of colors – for spring, opt for lighter shades, but if you're shopping for an all-season boot, black will never fail.

SeaVees

SeaVees Bolinas Off Shore Boots

These 100% waterproof natural rubber boots will come in super handy on rainy spring days! They're extremely easy to put on (thanks to the pull tabs) and walk in since they're fashioned with a memory foam footbed.

Tecovas

Tecovas The Cassie Boots

Western wear is one of my personal favorite fashion trends, so I will always support cowgirl-esque boots like these for any season – but these could look so stunning with a swingy spring dress! The sheen of these leather cuties ultimately make them more fashion-forward than your typical Western boot, plus they're comfy enough to wear on a night out.

Nordstrom

Dingo Anarchy Leather Booties

These adorable booties give the moto energy your spring 'fits are craving, all without the restriction of a traditional tall boot! While you could shop 'em in black, brown, or olive, this rustic red color might just be exactly what you need to infuse a bit of color into your spring looks.

Free People

Free People Hybrid Harness Boots

Okay, yes! These boots are downright dreamy. Not quite a full boot, they boast hints of clogs and loafers, too, offering a playful preppy look – just the energy we all need for the new season! I would style them with some socks, a mini skirt, and light sweater to step out on the town this spring.

Rothy's

Rothy's The Classic Boots

Rothy's boots are ideal for the commuter or just the comfy shoe-lover. Fashioned with a bespoke insole, they offer "unbelievable, cushion-like comfort" with every step. Plus, the material is made with a bit of stretch for added room. This leopard print pair would make the perfect statement shoe for springtime, though they also come in a few other solid colorways.

Urban Outfitters

Steve Madden Rocky Buckled Tall Boots

If your personal style leans more edgy, you're likely already in love with these buckled boots. Though they make a perfect match for baggy or cuffed jeans in the wintertime, you should totally show off the whole shoe for spring by wearing them with a mini skirt or dress!

Anthropologie

Matisse Sienna Western Boots

These Western boots are everything! The floral stitching recalls spring in the most stylish way, plus, thanks to the solid black colorway, you'll be able to pair them seamlessly with the rest of your wardrobe.

Urban Outfitters

Hunter Micah Lug Sole Rain Boots

It can be a real challenge to balance style and practicality when ti comes to spring boots. Luckily, with these Hunter boots, you don't have to sacrifice either. The lug sole and waterproof outer can easily tackle rainy terrain while the cushioned footbed ensures comfort along the way.

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