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Ben Luthi

Ben Luthi is a Salt Lake City-based freelance writer who specializes in a variety of personal finance and travel topics. He worked in banking, auto financing, insurance, and financial planning before becoming a full-time writer.

About Ben Luthi

Current Role

Personal finance writer


  • Credit Cards
  • Consumer Credit
  • Student Loans
  • Personal Loans
  • Mortgage Loans
  • Investing
  • Banking
  • Budgeting
  • Debt


  • Bachelor's degree in business management from Brigham Young University

Personal Finance Experience

Ben became passionate about personal finance in college when he worked a full-time job and learned how to budget to avoid taking on student loans. He ended up with a little college debt but paid it off quickly.

While in school, he interned with Northwestern Mutual, selling life insurance and creating comprehensive financial plans for his clients. After graduation, he spent time working for a regional bank and a major auto lender.

When Ben became a full-time writer, he primarily covered credit cards, particularly points and miles. He's had nearly 100 credit cards over the years and earned tens of thousands of dollars in rewards. He also wrote extensively about student loans before becoming a full-time freelancer, at which point he expanded his expertise to all things personal finance.

Latest from Ben Luthi

HEI vs. HELOC: Which Is Better?

If you have a significant amount of equity in your home, it’s possible to leverage that money to improve your financial situation or...

Pet Insurance That Covers Medication

Veterinary bills may be just one of the costs you’ll incur if your pet gets sick or injured. In some cases, your feline...

Point-of-Sale (or Buy Now, Pay Later) Loans

In some cases, point-of-sale loans can offer convenient and inexpensive financing, but they can result in overspending and extra charges if you're not...

How to Refinance an Auto Loan

Refinancing an auto loan can have many benefits, but better terms aren't guaranteed. Here's what to consider and the steps you can take.

Can I Prequalify for a Home Equity Loan or HELOC?

Not all home equity lenders offer prequalification, but those that do make it easier to...

Do You Have to Pay Off a HELOC When Refinancing?

You may not need to pay off a HELOC when you refinance, but the subordination...

What Is a Credit Limit?

Your credit limit determines how much you can spend on a credit card. Here's how it's determined, how to check yours and whether...

Who Owns My Student Loans?

The company that owns your student loans may not be the company you applied with or even the company that services your debt....

Student Loans for Culinary School

Many culinary schools are eligible for federal and private student loans. Here's how to find out whether you can borrow money and how...

Student Loans for Veterinary School

If you're considering student loans for veterinary school, it's important to understand your options, how to apply, and how to pay them off.