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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

How Much Does It Cost to Refinance an Auto Loan?

Driveway financing may be the key to repaving your driveway and increasing your home’s value....

Personal Loan Insurance

Personal loan insurance is a type of credit insurance that offers financial protection in the event that you can’t make payments due to...

Personal Loan Deferment

Personal loans are installment loans that you can use for various purposes. If you can’t afford your monthly payment, however, you may be...

How Your Debt-to-Income Ratio Affects Student Loan Refinancing

The debt-to-income ratio (DTI) is an important indicator of your ability to pay your financial...

Parent PLUS Loan vs. HELOC: Which Is Better?

Federal student loans can be an affordable way for your child to pay for the cost of attending college, especially during their undergraduate...

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...