YCBK 447: The New Tactic Families are Using to Earn Scholarships and Pay Less For College-Part 2 [Transcript]
Interview 191: Matt Carpenter on "How to use College Aid Pro"

Interview 190: Matt Carpenter on “Four different types of college loans”


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  • Matt gives his backstory
  • Matt shares how he got his college knowledge
  • Matt discusses why he is so bullish about the Federal Direct Student Loan
  • Matt shares his perspective on the Parent PLUS Loan, and he has something we love at YCBK; he has plenty of nuance
  • Matt discusses the pros and cons of private loans
  • Matt explains what an origination fee is
  • Matt shares what he feels are the better private loan companies
  • Matt shares a very creative way to get the best rate on student loans
  • Matt shares a significant caveat to be aware of about private student loans
  • Matt shares why state loans are often overlooked when they should be considered when a student needs to borrow for college
  • Matt talks about variable loan rates
  • Matt gives his recommendation of whether he usually advises students who have a 529 to spend their 529 right away or to spread it over four years

You can also listen on Episode 441, and Episode 443

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