After graduating from college, David Zuluaga found himself working for some of the best-known names in tech. He had a few student loans and a car loan with interest rates that could be better. David opened a checking account with First Republic, and his personal banker recommended a Personal Line of Credit with a lower interest rate, which allowed him to pay off his high-interest loans. The lower rate also gave him the flexibility to start saving for the future, including his first home. David is looking forward to fulfilling a lifetime of financial goals with First Republic.