Spotlight: Student Loan Dreams, Debt and Determination









SPOTLIGHT:
STUDENT LOAN DREAMS,
DEBT AND DETERMINATION
Watch the trailer Watch the film
The amount of student loan debt in the U.S. has eclipsed $1.5 trillion across roughly 44 million borrowers. We followed three stories across three unique walks of life and learned how different people live with student loan debt.
THEIR STORIES
  • Khaliun Spotlight Video
    KHALIUN
    Completed her undergraduate with a bachelor’s degree in International Studies and is hoping to pursue a law degree.
    Student loan debt:
    $200,000 (estimated)
    Estimated repayment term:
    Unknown
  • Jillian Spotlight Video
    JILLIAN
    Recently graduated with an MFA and is living in New York as a working actor. It will take her 25 years to pay off her debt.
    Student loan debt:
    $68,000
    Estimated repayment term:
    25 years
  • Brian & Aimee Spotlight Video
    BRIAN AND AIMEE
    Now doctors, they paid off their medical school debt in six and a half years while raising three children.
    Student loan debt:
    $550,000 (combined)
    Payments fulfilled:
    6.5 years (early repayment)

OUR MISSION
At First Republic, we believe that student loan debt is an investment — a commitment made by individuals to achieve their highest potential. That’s why we’re changing the conversation from obstacle to opportunity and shining the spotlight on the dreams, debt and determination of individuals from across the country who are investing in their futures — regardless of the cost.
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1. The terms of this loan may differ from terms of your current loan(s). For example, this loan does not contain special features such as forbearance periods or income-based repayment plans available for some student loans. If the debt you are refinancing was all incurred for qualified higher education expenses or to refinance a qualified education loan under the Internal Revenue Code, the interest you pay on this loan may benefit from certain deductions thereunder, and it may also be the case that this loan will not be dischargeable in bankruptcy. Applicants should contact their legal, tax and financial advisors for advice on deciding whether this is the right product for them.

2. Annual Percentage Rate. Rates effective as of October 30, 2019, and are subject to change. Payment example for a loan amount of $100,000. 5-year/60 monthly payments of $1,750.59 at 1.95% APR. 7-year/84 monthly payments of $1,301.15 at 2.55% APR. 10-year/120 payments of $965.61 at 3.00% APR. 15-year/180 payments of $712.43 at 3.45% APR.

3. Gradifi, Inc., is a wholly owned subsidiary of First Republic Bank.

© 2019 First Republic Bank.

Banking products and services are offered by First Republic Bank, Member FDIC and Equal Housing Lender

Investment Advisory services are provided by First Republic Investment Management, Inc. Trust services are provided by First Republic Trust Company and First Republic Trust Company of Delaware LLC. Brokerage services are offered through First Republic Securities Company, LLC, Member FINRA/ SIPC. Insurance services are provided through First Republic Securities Company, DBA Grand Eagle Insurance Services, LLC, CA Insurance License # 0I13184, and First Republic Investment Management, DBA Eagle Private Insurance Services, CA Insurance License # 0K93728.

Investment, Insurance and Advisory Products and Services, and Foreign Exchange Transactions, are Not FDIC Insured or Insured by Any Federal Government Agency, Not a Deposit, Not Bank Guaranteed and May Lose Value.


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